VA · FHA · USDA · Conventional · Renovation · Refinance · Purchase — free guides, tools, and a licensed expert ready to help. Zero down options available.
From California ranch homes to Texas brick classics, Florida tropicals to Arizona stucco beauties — we know your market and we know your loan options.
No jargon, no fluff. Click any program to learn what it is, who it's for, and what you need to qualify.
A VA loan is a government-backed mortgage exclusively for eligible veterans, active-duty service members, and surviving spouses. It's one of the most powerful benefits you've earned — and most don't use it.
FHA loans are backed by the Federal Housing Administration, making them ideal for buyers with lower credit scores or smaller down payments. This is the most popular path for first-time homebuyers.
Conventional loans follow Fannie Mae and Freddie Mac guidelines and are the most common mortgage type. Great for buyers with solid credit who want flexible terms and no government restrictions.
The USDA Rural Development loan offers 100% financing for eligible buyers in rural and suburban areas. Many suburban communities around Phoenix, Tampa, Dallas, and Sacramento qualify — you'd be surprised.
Renovation loans let you buy a fixer-upper and finance the repairs all in one single mortgage. Stop losing bidding wars on move-in ready homes — win on the homes everyone else skips.
Refinancing replaces your current mortgage with a new one — at a lower rate, shorter term, or to pull cash out of your equity. If your rate is above 7%, it may be time to run the numbers.
Whether you're buying your first home, a vacation property, or an investment rental — we have a purchase loan designed for your situation. We'll match you with the right program from day one.
Enter your loan details below to see your full payment breakdown and year-by-year amortization schedule.
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We're active in 8 states and know each market's quirks — from California's high-balance limits to Texas's no state income tax advantages.
Real stories from real buyers — across California, Arizona, Florida, Texas and beyond.
"As a veteran I wanted someone who truly knew the VA loan process. We closed with zero down at a rate we couldn't believe. Julio was outstanding from start to finish."
"I was told I didn't qualify by another lender. Julio found us a USDA loan — zero down — and we closed in 30 days. He genuinely cares and it shows."
"Julio nos explicó todo en español y nos ayudó con un programa de asistencia para el pago inicial. ¡Gracias a él somos dueños de nuestra primera casa!"
"The cash-out refinance was seamless. He explained every option, never pressured us, and we're saving over $800 a month. Professional from start to finish."
"First-time buyer, nervous about everything. Julio walked me through every single step and got me into my home. I couldn't be more grateful."
"His response time is unmatched — he answered my questions at 9pm! Found us an FHA program that saved us thousands. Highly recommend to anyone buying a home."
One quick conversation can change everything. Julio has 20+ years of experience, speaks Spanish, and is licensed in 8 states. Call or text anytime.
📞 (818) 233-3968Text "HOME" to (818) 233-3968 | Email Julio@GenevaFi.com | Apply Online at GenevaFi.com