Mortgage Lender in Gilbert
#1 in AZ for Home Loans & Refinance Lending in Gilbert
(Ranking Arizona Consumer Poll)
Geneva Financial Mortgage Lender Gilbert, AZ – Home Loans Powered by Humans® – is a direct lender serving Arizona and 46 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.
Geneva Home Loans Powered by Humans® is mortgage lending in Gilbert offering home loans & refinance. Meet our best Gilbert lenders.
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.
Geneva Mortgage Company in Gilbert
6 Steps to Buying a Home in Gilbert
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 in Gilbert
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.
All First Responders: Police, Firefighters, EMT
Medical Professionals: Doctors, Nurses
Teachers
Active Duty and Veteran Military
Homes for Heroes Approved Lender
How to Get a HERO Home Loan in Arizona
What is it?
Geneva Financial is committed to America’s everyday heroes. We carry multiple HERO mortgage products, including a 2% down payment assistance program.
This nearly nationwide* program is designed to provide down payment assistance equal to 2% or 3.5% of the purchase price to a wide variety of eligible borrowers.
Benefits:
A simple one-step process: the application is streamlined for the borrower, using the 1003 they have already completed!
DPA is a grant equal to 2% or 3.5% of purchase price
May be combined with up to 6% seller concession for closing costs
No resale or borrower repayment restrictions
Can be used with the FHA 203(b) program
Total borrower’s income is equal to or less than 140% of the median area income
First-time home buyers
Who can get a hero loan?
Any borrower on the loan application who is a current, retired volunteer, or non-paid:
First-responder: police officer, firefighter, public safety officer, paramedic, or emergency medical (EMT), including volunteers or similar
Educator
Medical personnel: nurse, doctor, phlebotomist, or health ambassador, or hospital, American Red Cross worker, or similar
Civil servant in a federal, state, or local municipality
Military personnel
Gilbert Mortgage Refinance and Payment Calculators
Gilbert, Arizona
Gilbert, AZ is a growing suburban community just southeast of the state capital of Phoenix and is considered the largest town in the United States. Gilbert’s downtown area has seen tremendous growth and is now home to fun shops, restaurants, and parks, with plenty to do for any locals and visitors. Gilbert also has a booming technology sector involving everything from aerospace to renewable energy. The town of Gilbert has the perfect foundation for a diverse, economical, and thriving community.
If you are looking for the best mortgage companies in Gilbert, look no further. Geneva Financial Mortgage Lenders in Gilbert, AZ serve all of Arizona with locations in several other cities for your Gilbert mortgage loan.