A VA approved lender;  Geneva Financial LLC, – NMLS #42056

As a Veteran,

You’ve earned the right to apply for a VA-guaranteed home loan.

Get Started Today! 

Call and get started Today  480-292-8288

Borrow up to 100% of the home’s value.

Tell us what you want to do……

Buy a Home

Zero down payment – your service is your down payment. There is also Zero PMI. The Best Loan to Purchase a Home.

Get Cash

Refinance up to 100% of your home’s value and get the money you need for your family and home.

IRRRL

Interest Rate Reduction Refinance Loan Lower Payment. Take advantage of today’s low rates today!

Click on each section to find out more!

ADVANTAGES OF A VA LOAN

Advantages for Military Homebuyers

The VA Loan has many advantages that make it one of the most appealing paths to homeownership — and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.

The benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.

Lower Payments

Competitive interest rates and no monthly mortgage insurance mean lower monthly payments.

No Down Payment

The VA Home Mortgage is one of the only home loans available today with no down payment required.

Easier to Qualify

The VA Loan Program provides homeownership opportunities for millions who wouldn’t otherwise qualify for conventional financing.

First-Time Buyers

No down payment and relaxed credit standards means loans from the VA Program are especially helpful for first-time homebuyers.

Seller Allowed to Pay Closing Cost

The seller can pay your closing cost on the home loan. So that means you get into the home for Very little out of pocket. Ryan closed on his house with less than $500 out of pocket to buy his home

VA LOAN ELIGIBILITY

 

 

 

 

 

The VA Loan Officers at Geneva Financial can help you determine if you are eligible for a VA Loan. They can even help you obtain your Certificate of Eligibility.

You may be eligible for a VA Home Loan if:

  • 580 credit Score.
  • Income Source: Job, Social Security, Pension income, Self-employed, ECT……..
  • You have served 90 consecutive days of active service during wartime,OR
  • You have served 181 days of active service during peacetime,OR
  • You have more than 6 years of service in the National Guard or Reserves,OR
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Questions about whether you qualify? Call 480-292-8288 to speak with the Harris Team at Geneva Financial.

VA LOAN REFINANCING IRRRL

 

 

Refinancing with a VA Loan  IRRRL

Through the powerful VA Loan program, those eligible are also able to refinance in a couple of different ways. The most popular types of refinancing options include the VA Streamline Refinance (also known as an Interest Rate Reduction Refinance Loan, or IRRRL) and a VA cash-out refinance.

Streamline Refinances allow Veterans with a VA Loan already to refinance to a lower interest rate. Cash-Out Refinances give the borrower the opportunity to use the equity of the home and use it as cash.

Streamline Refinancing

Also known as a VA IRRRL, the “Streamline” refinancing option is great for existing VA Loan holders looking to realize significant savings and take advantage of lower interest rates.

Cash-Out Refinancing 100%

An option for those with a VA or conventional loan looking to take advantage of 100% of the equity in their homes to access cash for home improvements, emergencies, paying bills or any other purpose.

Summation

Get a quote for your refinance or a pre-approval to purchase the home of your dreams in a matter of minutes. Ryan Harris is an advisor who has actually served in the military and understands the VA benefits first-hand.

Top 5 Reasons People Use The Harris Team at Geneva Financial

  1. One Point of Contact calling you with Updates on your loan. 
  2. No Cost Pre-Approval Service get approved in minutes, not days.
  3. Free Credit Analysis Service for our customers. 
  4. Local Lender, Headquartered in Tempe, Arizona.
  5. Great Interest rates and close in under 30 days.  

Get Started Today!

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As a local lender headquartered in Tempe, Arizona, we offer personalized service and the ability to meet face to face. This is very important when you trust a lender with something as important as your home. We also do business with a single point of contact… there will be no sitting on hold, no getting transferred to other representatives, you’re working with an individual, NOT a corporate machine.

Our Rates!, Because of our streamlined approach to business and having one point of contact for your loan. We do not have the layers of upper management that most companies have, along with each branch manager is responsible for his branches production, There are no large Marketing Budgets to Pay for because we do business with a handshake and word of mouth. Customer service is also key when you are doing word of mouth advertising. This all keeps our cost really low and is passed on to You.

What are you waiting for? ……… Give Ryan a call 480-292-8288 ASK, him about qualifying for a VA loan.

Ryan Harris leads the Harris Team at Geneva Financial.

Veterans working with Veterans

Ryan is an Air Force Veteran who has personally utilized not only VA loan benefits but has utilized the VA educational benefits as well. He completed his MBA from Arizona State University in 2012 through the VA educational benefits. Through his well-rounded understanding of VA Benefits, he has assisted thousands of Veterans in utilizing their entitlements to achieve the dream of homeownership.

Ryan is an Air Force Veteran who served primarily out of Davis-Monthan Air Force Base in Tucson, AZ. As a Veteran, he understands what it means to serve in the military and takes pride in his country and community. Currently, less than 1% of the population serves in the military. As a result of that very few financial professionals understand the military and their benefits like Ryan does. It’s in your best interest to align yourself with someone who has personally used and understands the unique VA benefits and entitlements.

Since 2010, Ryan has funded more than 200 million dollars in residential mortgage loans. He has seen almost every possible scenario and situation so if you have questions, please ask. Ryan Harris is a Loan Officer at Geneva Financial and can be contacted at 480-292-8288 or [email protected]

What our Customers are saying: 

This is a Great Program, I bought the home I was renting and it was 45 days before my first payment was due. It was like skipping a rent payment and right at the Holidays. Now I am buying something that will be mine and just as they said… $477 was my total out of pocket cost to buy the home and my payment is less than my rent. I could hardly believe it!!

William J. in Queen Creek, Arizona

They made everything so easy. I did not even have to go to their offices till I was ready to close. They do this electronic signature where they walked me through all the forms over the phone and I signed them with my computer.

Kevin W. in Peoria, Arizona

Ryan with Geneva Financial saved our day. I applied for a loan at my Bank for a VA loan using my VA Benefits. Made a offer on a home and it was accepted. After over 90 days of them working on my loan, I called the bank we were 30 days away from the home being finished being built and wanted to make sure how much money I need to have on that day. They were not returning my calls. “My Bank”. You know the place where you are their best customer and they care. Yet they don’t know your name and just know you by your loan number. Eventually, they told me I was declined due to credit score. WOW, But you knew what my credit score was 90 days ago. I was going to loose my $$$ deposit on the new home. I found Ryan Number through a friend, Ryan did VA loans and that he is a Veteran that understands “VA loans”  inside and out. I advised Ryan of my situation and my near closing date. He called me back and told that the My credit score would not be an issue. My Question was  “What went wrong with my bank and how are you able to help?” Ryan explained that my bank had what’s was called an “overlay” he explained it was an extra guideline and that my bank requires above and beyond what the VA requires. I can Honestly say there is a ton of value in working with a local lender and someone knowledgeable in the loan you are applying for.

 

Scott H. in Avondale, Arizona

My wife and I just finished up working with Ryan, and it went smoothly.  We got a great rate at a great price.  When you’re going through the stress of buying a Home, I liked the Idea that Ryan was a veteran himself and I felt I could trust him in a world where I am lost in the home buying process on what is next and what’s it cost. He took the time to explain what was next each time we talked to him, he was never to busy to answer my all my questions. He is a straight shooter and told me about him using his VA benefits to buy his own home with less than $500 out of pocket cost. Then he got my realtor to get the seller of the home to pay my closing costs for me. He has taken that fear out of the equation, and we always felt like he had our backs.  A nice guy, very easy to work with, calm under pressure. I have already referred 3 of my friends to him.

P.S. When they call you ask For Ryan Harris.

 

Roger D. in Gilbert, Arizona

Ryan’s Team are all Mortgage Superstars! By total accident, I came across this website about the home buying process. I was wanting to buy a home and the process seemed very simple. I used the online form to apply, I figured that I would get an email or something letting me know if I was approved, I was really excited. I was surprised when I received a call from Ryan in about an hour. He explained to me that I had no credit scores, I told him I had never bought anything on credit. I am in my 20’s and did not even have a credit card. He helped me setup some secured credit cards and I worked on them for about 3 months and then I received a call from Ryan, He said that my credit score was 723.  I asked if that was good enough to buy home? He replied “Yes”. The Next Day after that … I began looking for a home. They worked with my realtor to make it easy. I found my dream home in Chandler and moved into the home about a month later. I have nothing but positive things to say about his process to buy a home. All my friends asked me how I was able to buy a house, I said without Ryan I would have never been able to. I really want to thank them for the time they spent with me and for their guidance with buying the Home.

Mary H. in Scottsdale, Arizona

Get Started Today with the Harris Team at Geneva Financial

They treat your “Home Loan” as it was their “Own Home”.

The Harris Team at Geneva Financial LLC

 Home Loan   

Get Started Today!

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Ryan Harris | Loan officer | Direct Line 480-292-8288 | LO NMLS: 817581 | BK 0910215

 GENEVA FINANCIAL LLC | NMLS 42056 |  1018 E. Guadalupe Road Tempe, AZ  85283

Geneva Financial LLC does Business in Accordance With the Federal Fair Housing Law.  Geneva Financial LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government.  Geneva Financial LLC is approved to participate in FHA programs but the products and services performed by Geneva Financial LLC are not coming directly from HUD or FHA.

 

*The Product/Program information contained here is educational only and may not represent actual rates or financing terms. | Eligible Products – Purchase in Arizona Other conditions and restrictions may apply. Rates and available loan programs are subject to change without notice.

Contact your loan officer for more information.

Ryan Harris Loan officer | Direct Line 480-292-8288 | LO NMLS: 817581 | BK 0910215

 GENEVA FINANCIAL LLC | NMLS 42056 |  1018 E. Guadalupe Road Tempe, AZ  85283

NMLS Consumer Access