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Purchase
At Geneva Financial we are the one stop shop for your Mortgage Financial needs. We have multiple loan programs that help our local community HERO's finance a home for their family. If you want to know more about the different programs or want to find out how much you can qualify for, contact us today and we will be happy to speak with you.
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
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.
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. **
You can get more information from the government’s website, but the basic requirements include:
- You’re currently active duty military, or you’re a veteran, honorably discharged.
- At least 90 consecutive days of active service during wartime or at least 181 consecutive days of active service during peacetime.
- More than six years of service in the National Guard or Selective Reserve.
If you would like to find out about your eligibility just contact me today.
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
REQUEST OUR FREE GUIDE TODAY!
If you are looking to make a purchase or looking to refinance your home, request our FREE Homebuyers Guide Today! This guide will help give you an idea of what to expect during your home buying/refinancing transaction as well as important keywords and phrases that we will use during your mortgage transaction.
- Do’s and Don’t
- Common Mortgage Terms
- Moving Checklist
- Document Checklist
Client Testimonials
MIchelle Wood
Loan Officer | NMLS ID 1712163
Mobile: 951-534-6508
Email: MWood@GenevaFi.com
Let Michelle’s team help you on your journey to your new home. A mortgage and loan professional with more than 30 years of experience working in financial, legal, lending and management capacities. Integrity, hardworking, loyal with a strong passion to help others are the values possessed by Michelle.
Helping families with one of the biggest commitments they will make whether they are looking to buy, refinance or build their home. Ensuring that they are well educated and informed every step of the way create a great experience which will exceed your expectations.
Michelle has teamed up with Geneva Financial to provide a level of service unmatched in the industry. They proudly offer one of the largest selections of financing options available. Purchasing, Refinancing, Reverse Mortgages, Construction and Commercial loan options to meet all your real estate investment needs.
Michelle is a proud mother of her son and daughter. She is a compassionate and spiritual person who is grateful to be able to help others through business, personal service or volunteer work. She spends a great deal of time helping people in need as she strongly believes in acts of kindness and helping others within her reach.
