Geneva Financial Home Loans Powered by Humans
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 licensed Mortgage 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 mortgage process, but it takes a back seat to our top Core Value: Always strive to humanize both the customer and employee experience.
We are committed to America’s every day heroes.
In addition to VA Home Loans, we carry multiple HERO mortgage products, including a 2% down payment assistance program for the following designations:
- All First Responders: Police, Firefighters, EMT
- Medical Professionals: Doctors, Nurses
- Active Duty and Veteran Military
- Homes for Heroes Approved Lender
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!
VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.
The primary benefit of a VA loan is Veterans with qualifying credit and income can purchase a home with no money down, making it an attractive option for those whohave served in the military.
VA loans also feature flexible requirements, no private mortgage insurance (PMI), and competitive mortgage rates.
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 YOUR FREE HOMEBUYER GUIDE!
If you are looking to make a purchase or looking to refinance your home, request our FREE Homebuyer 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
Loan Officer | NMLS ID 1666381
Michael Flinchum (NMLS#1666381) serves the states of Florida, Georgia, and North Carolina for purchase, refinance, FHA, VA, USDA, renovation loans, debt consolidation, mortgage refinancing, down payment assistance, and more mortgage options.