Surprise – Geneva Financial Mortgage Lender
Mortgage Lenders Surprise

Mortgage Lender in Surprise

Mortgage Company in Surprise

#1 in AZ for Home Loans & Refinance Lending in Surprise

(Ranking Arizona Consumer Poll)

Geneva Financial Mortgage Lender Surprise, 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 Surprise offering home loans & refinance. Meet our best Surprise 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. Surprise

Mortgage Company in Surprise

6 Steps to Buying a Home in Surprise

Mortgage 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 in Surprise

Homes For Heroes Arizona

Surprise Mortgage Refinance and Payment Calculators

Surprise, Arizona

The beautiful suburb of Surprise is just 45 minutes northwest of Downtown Phoenix, AZ and is known for its extensive recreational opportunities, incredible natural surroundings, and a Top Baseball Spring Training Stadium in Arizona. Named the 6th safest city in the state, the closeness of the community is noticeable in the care and kinship of everyone who lives there. With a small-town feel that doesn’t lack the big city amenities, Surprise, AZ is an excellent place to live and raise a family.

If you are looking for the best mortgage companies in Surprise, look no further. Geneva Financial Mortgage Lenders in Surprise, AZ serve all of Arizona with locations in several other cities for your Surprise mortgage loan.