Mortgage Lender in Globe / Miami
#1 in AZ for Home Loans & Refinance Lending in Globe / Miami
(Ranking Arizona Consumer Poll)
Geneva Financial Mortgage Arizona – Home Loans Powered by Humans® – is a direct lender serving Arizona and 45 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 Globe / Miami offering home loans & refinance. Meet our best Globe / Miami 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.
Globe / Miami Mortgage Company in Glendale
6 Steps to Buying a Home in Globe / Miami
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 Globe / Miami
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.
Globe / Miami Mortgage Refinance and Payment Calculators
Globe / Miami, Arizona
The quaint town of Globe is located in the central eastern parts of Arizona just outside of Tonto National Park. The town was founded as a mining camp and is now known for its old silver and copper deposits that have grown a strong tourism industry. With its scenic views, rich history, and fun small-town atmosphere, anyone looking for the perfect cozy spot to settle down should look no further than Globe, AZ.
Geneva Financial Home Loans serves all of Arizona with locations in several other cities.