Best Mortgage Lenders in AZ 2021
(Ranking Arizona Consumer Poll)
Human Powered Mortgage by Geneva Financial | Arizona Mortgage Lenders
Named the Best Mortgage lender in AZ for 2021 (#1 spot!) by Ranking Arizona’s Consumer Poll, Geneva Financial Home Loans has been serving the Valley of the Sun and 44 other other states since 2007.
When it comes to life’s biggest decisions, you deserve to have an experienced human by your side and available when it’s convenient for your hectic schedule.
At Geneva Financial, you work with ONE Arizona mortgage licensed Loan Officer throughout your transaction. We are available to communicate with you nights, weekends, early mornings – whatever is most convenient for your life.
We believe technology is a valuable tool to execute an efficient and speedy home loan process, but it takes a back seat to our top Core Value:
Always strive to humanize both the customer and employee experience.
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Geneva Financial – Home Loans Powered by Humans® – is a direct mortgage lender serving Arizona and 44 other states offering New Home Loans, Refinance, VA & USDA Loans, First-Time Homebuyer, Homes for Heroes, Reverse, Self-Employed, Down Payment Assistance Programs and Investor lending products.
With in-house underwriting and an Operations Team that does not believe in punching a “9 to 5” clock, Geneva Financial provides a rapid and smooth mortgage process. Yes, we have technology – specifically to offer you convenience – but more importantly to provide more time for our team to give you the white glove service technology can’t.
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6 Steps to Buying a Home in Arizona
Our Geneva Financial team strives to make the home loan process as simple as possible by guiding you through every step – from your original application to closing day and beyond. We will also provide you with constant updates to keep you informed on the progress and status of your loan throughout the entire process.
The first contact with your Geneva Financial loan professional via email, phone or in person, is to discuss your goals for homeownership. This first contact may cover how long you plan on living in the home, the amount of down payment you will need, and how much you want your monthly payments to be.
A “Pre-qualification” determines how much money you will be eligible to borrow for your home before you actually fill out your loan application. It is important to understand that a pre-qualification does not guarantee you will get a loan. During this second step, your Geneva Financial team will gather your financial information and make a “conditional” determination about your qualifications for your home loan. (You can review our Document Checklist for the basic information required again above.)
*A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met.
When you have completed a loan application, your Geneva Financial loan officer collects all your required documents and submits your loan file to his Geneva Financial Team loan processor. The processor then reviews your file and orders your property appraisal. As always, depending on your situation, our Geneva Financial Team processor may need additional documentation from you during this step. Once your loan file is completed, the processor will then submit it to Geneva Financial Team underwriting for approval.
Our Geneva Financial Team underwriter reviews your loan file to ensure all guidelines are met for the specific loan program and issues a loan decision. Once your mortgage has been approved and all conditions have been cleared, your loan is now in the “Clear to Close” status.
You will now receive an official loan commitment letter which contains the details of your loan including the rate, the amount and the terms along with any outstanding conditions that need to be addressed before the file is sent to closing. Once everything is cleared by our Geneva Financial underwriter, the Geneva closing department will complete your final documents.
The time is here! During closing, you will be required to sign a variety of final documents. Make sure you bring a photo ID (Drivers License or Passport) along with the proper form of payment to cover your down payment, closing costs, prepaid interest, taxes, insurance or any additional costs. When the closing documents are completed and all funds have been disbursed by the title company, you will receive the keys to your new home.
First Responder Mortgage and Homes for Heroes Arizona
Geneva Financial is committed to Arizona’s everyday heroes.
We carry multiple HERO home loan products, including a 2% down payment assistance home loan and the Homes For Heroes program offering up to $4,500 for eligible designations.
About Geneva Financial
Ranking Arizona's #1 Mortgage Lenders (2021)
900+ HUMANS EMPLOYED
2020 was another record year of growth for us at Geneva Financial. We hired our 700th employee and were named a top mortgage employer by National Mortgage Professional Magazine and National Mortgage News.
Our growth continues as we meet the demands of increased volume – a direct reflection of our customer’s response to the human approach launched in 2019.
130+ HUMAN POWERED BRANCHES
We are existing in a time when there are more living generations of humans than ever before. The needs of those generations are vastly different – with one common thread – a human touch is always appreciated.
We serve our customers with physical walk-in branches as well as smart branches where the entire transaction is handled via email, phone and online.
In both scenarios, every client gets one dedicated human loan officer to be with them through the entire home loan process.
14+ YEARS HELPING HUMANS FIND HOME
Experience matters. Some of our loan officers carry 30 years experience and we count on their wisdom to light the way. 14 years has taught us a lot – not about home loans – but about humans.
This can be a scary process and our promise to you is that you will have a human by your side, not only during the transaction, but for years to come as a trusted advisor.
Founded in 2007 by Aaron VanTrojen, Geneva Financial (NMLS 42056) is a direct mortgage lender headquartered in Chandler, Arizona with more than 130 branch locations nationwide. Our mission at Geneva Financial is to approach every aspect of our business from the “inside-out”. With a culture-forward mindset, we focus on our loan originators and support staff first in order to ensure an unbeatable experience for our customers.
Our Core Values were created as a daily reminder to operate with the inside-out approach in mind. Core Value #1 is the backbone of all our Core Values, our mission and our brand vision: Home Loans Powered by Humans®.