Geneva Financial - Human Powered Mortgage

At Geneva Financial, we’re dedicated to helping you achieve your homeownership dreams or find the right refinancing solution for your unique needs. Whether you’re a first-time homebuyer, seasoned investor, or looking to refinance, we offer a wide range of mortgage products tailored to your financial goals.

Explore our Conventional Loans for competitive rates, FHA Loans for flexible qualification options, or VA Loans designed to honor and support our veterans. For rural and suburban buyers, our USDA Loans provide 100% financing opportunities. Heroes in our communities—teachers, first responders, and healthcare workers—can take advantage of exclusive savings through our Home for Heroes program.

Looking for innovative mortgage solutions? Our proprietary Home Select™ Offset Mortgage is a game-changer, giving you the power to manage your loan while maximizing savings. For those seeking retirement-friendly solutions, our Reverse Mortgages help unlock your home’s equity.

Geneva Financial also specializes in Real Estate Investor Financing, Commercial Loans, and Hard Money Lending to support your entrepreneurial ventures and investment strategies.

From personalized service to innovative loan programs, Geneva Financial is here to guide you every step of the way. Contact us today to start your journey toward a brighter financial future!

Your home, your dreams—made possible with Geneva Financial.

We are committed to America’s every day heroes.

In addition to VA Home Loans, we carry multiple HERO mortgage products, including a 2% down payment assistance program for the following designations:

All First Responders: Police, Firefighters, EMT
Medical Professionals: Doctors, Nurses
Teachers
Active Duty and Veteran Military
Homes for Heroes Approved Lender

REQUEST YOUR FREE HOMEBUYER GUIDE!

If you are looking to make a purchase or looking to refinance your home, request our FREE Homebuyer Guide Today! This guide will help give you an idea of what to expect during your home buying/refinancing transaction as well as important keywords and phrases that we will use during your mortgage transaction.

Do’s and Don’t
Common Mortgage Terms
Moving Checklist
Document Checklist

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Frequently asked questions

Do I need to have a house picked out first?

No! That’s a common misconception that you need to have a house selected first. We actually recommend for you to figure out how much you can purchase then select a home prior to home shopping.

If you contact me I can help you get pre-qualified at no cost to you.

Do I need to put 20% as a down payment?

No! We have many programs that can do less than 20%. Some of our mortgage finance programs allow for 3% to 4% down payment. If you would like to know your additional options, please contact us today!

What is a VA Home Loan (Mortgage)?

VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

The primary benefit of a VA loan is Veterans with qualifying credit and income can purchase a home with no money down, making it an attractive option for those whohave served in the military.

VA loans also feature flexible requirements, no private mortgage insurance (PMI), and competitive mortgage rates.

Do I need to have an excellent credit score to purchase or refinance?

NO. There are multiple national and state down payment assistance programs with credit score requirements as low as 620 and some income maximums nearing $90k

Kyle Best

Loan Officer | NMLS ID 2163263
Phone: (859) 325-1917
Email: KBest@GenevaFi.com

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