Home Purchase

At Geneva Financial we are the one stop shop for your Mortgage Financial needs. When it comes to making your first purchase or an investment property, we are here to guide you along the mortgage transaction.

Mortgage Refinance

If you own a home and you're looking to refinance then Geneva Financial is the Mortgage Lender for you. If you're looking to lower your current rate, consolidate debt, or make some home improvements then contact us today and one of our Mortgage professionals will help guide you through the process.

VA Home Loan

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 who have served in the military. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

We Are Committed to Helping Homeowners

We may be able to help lower your interest rate.

You may be surprised by how much you can save.

Frequently asked questions

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.  

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!

It is an honor to serve our heroes: Military Veterans and active duty service members, you may qualify for a Veterans Administration (VA) loan. These loans often require no down payment and have lower closing costs, helping to keep your savings secure. At Geneva, we take pride specializing in the highest quality service for VA loans – service you deserve as a U.S. Veteran.

VA Home Loan
  • 100% Financing with full VA Entitlement*
  • No Monthly Mortgage Insurance
  • Seller Contribution to Closing Costs Permitted Product Benefits
  • No Prepayment Penalties Construction Financing For: – Single Family Residences – Townhomes – VA Approved Condos – Other property types may be eligible**
  • Fixed- and adjustable-rate loan terms

    *A down payment may be required if the borrower does not have full VA entitlement, or if the loan amount exceeds the current maximum loan amount. **

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

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

Glendale Mortgage Branch

20100 N. 51st Ave Suite E-520 Glendale, AZ 85308

David Almaraz

Branch Manager

NMLS# 202504

Connor Barnes

Branch Operations Manager

NMLS# 1398585

Ernie Contreras

Loan Officer

NMLS# 1298114

Nathalie DeGorio

Loan Officer

NMLS# 1655508

Carlos Valadez

Loan Officer

NMLS# 1493426

Bradley Johnson

Loan Officer

NMLS# 2079965

Daniel Diaz

Loan Officer

NMLS# 1007371

Desmond Williams

Loan Officer

NMLS# 2041240

Pamela Beck

Loan Officer

NMLS# 1699109

Danielle O'Neill

Loan Officer

NMLS# 820053

Patricia Reyes

Loan Officer

NMLS# 2041240

Jayson Miranda

Loan Officer

NMLS# 2031680

Alejandro Cordero

Loan Officer

NMLS# 1730220

Cinthya Siqueiros

Loan Officer

NMLS# 1497207

Melissa Gutierrez

Loan Officer

NMLS# 1615368

Ivan Campos Flores

Loan Officer

NMLS# 2517890

Ahmed Torres

Loan Officer

NMLS# 1275133

Oscar Cruz Morales

Loan Officer

NMLS# 1994428

Mharissa Degorio

Loan Processor

FREE HOMEBUYER GUIDE

DO’S & DON’T  |  MORTGAGE TERMS  |  MOVING CHECKLIST
HOUSE HUNTING REPORT CARDS

By providing your phone number, you consent and agree to being contacted by us regarding your loan inquiry and mortgage products and services at the telephone number provided. You agree that we, or one of our authorized third parties, may contact you, including through automated means, via telephone or mobile device, even if your telephone number is listed on a Do-Not-Call registry. This consent is not required to obtain our goods and services. If you prefer to be contacted by other means, please contact us via the information below.

FREE HOMEBUYER GUIDE

DO’S & DON’T  |  MORTGAGE TERMS  |  MOVING CHECKLIST
HOUSE HUNTING REPORT CARDS

By providing your phone number, you consent and agree to being contacted by us regarding your loan inquiry and mortgage products and services at the telephone number provided. You agree that we, or one of our authorized third parties, may contact you, including through automated means, via telephone or mobile device, even if your telephone number is listed on a Do-Not-Call registry. This consent is not required to obtain our goods and services. If you prefer to be contacted by other means, please contact us via the information below.