805-231-1644 DWaldman@genevafi.com Douglas Waldman · NMLS #248175 · Geneva Financial NMLS #42056
Geneva Financial Full-Service Mortgage Lender · Geneva Financial

Full-Service Mortgage Lending

Geneva Financial is a full-service mortgage lender offering a broad range of loan programs — from conventional and FHA to non-traditional lending including HELOCs, DSCR, bank statement, and asset utilization loans. Whatever your situation, we may have a solution.

Get Started Today Call 805-231-1644

Our Specialty Programs

HomeSelect1st position · FDIC-insured checking account · Equity Accelerator

DSCRInvestment property equity — no personal income docs required

Bank StatementSelf-employed? Qualify on 12–24 months of deposits

Asset UtilizationUse your portfolio to qualify — no traditional income docs

Homes for HeroesMilitary, first responders, healthcare & teachers — hero savings

Understanding Your Options

Full-Service Lending — Every Product, Every Borrower

Geneva Financial is a full-service mortgage lender offering conventional, FHA, VA, jumbo, and a full range of non-QM (non-Qualified Mortgage) loan programs. Our specialty is non-traditional lending — including HELOCs, DSCR loans, bank statement loans, and asset utilization programs — for borrowers who need more than a standard qualification process.

We offer the full range of mortgage products — conventional, FHA, VA, jumbo, refinance, and purchase loans. Our specialty is home equity lending: 1st and 2nd position programs designed to give homeowners flexible access to the equity they've built.

Whether you're a W-2 employee, self-employed, retired, or a real estate investor — we may have programs built for your situation. All loans subject to credit and underwriting approval. Not all applicants will qualify.

Common Uses for a HELOC

  • Home renovations and improvements
  • Debt consolidation
  • Down payment on investment or second property
  • Business investment or working capital
  • Emergency fund or financial safety net
  • Potentially accelerating mortgage payoff

HELOC vs. Home Equity Loan

A HELOC is revolving — borrow, repay, and reuse. A Home Equity Loan is a one-time lump sum at a fixed rate. HELOCs may offer flexibility; home equity loans may offer payment predictability. All products subject to eligibility and program guidelines.

Our Programs

Every Program. Every Borrower.

From conventional and government-backed loans to non-QM solutions — Helocs & Heroes, backed by Geneva Financial, has a program for nearly every situation.

Conventional / VA / FHA

Traditional forward mortgage programs for purchases and refinances — including VA loans* for eligible veterans and FHA loans for first-time buyers.

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HomeSelect

Flagship 1st position home equity program with an Equity Accelerator option tied to an FDIC-insured checking account.

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DSCR

Pull equity from investment properties using rental income — not traditional personal income documentation.

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Bank Statement Programs

Self-employed borrowers qualify using 12 or 24 months of bank deposits — no W-2 or tax returns needed.

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Asset Utilization

Retired or asset-rich with limited income? Use eligible investment or retirement accounts to help qualify.

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Down Payment Assistance

Don't have enough saved for a down payment? Grants, forgivable seconds, and low-interest programs may help you buy sooner.

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Reverse Mortgage

For homeowners 55+ (62+ for HECM). Access home equity in 1st or 2nd position with no required monthly mortgage payment.

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Homes for Heroes

Military, veterans, first responders, healthcare workers, and teachers may qualify for Hero Rewards savings at closing.

See If You Qualify →
Homes for Heroes

Serving Those Who Serve Us

As an affiliate lender in the Homes for Heroes network, Geneva Financial helps eligible heroes save on home purchases, sales, and refinances. Heroes who use both a real estate and mortgage specialist through the program save an average of $3,000 on their transaction.

Every transaction also supports the Homes for Heroes Foundation — a nonprofit providing grants to heroes facing housing crises, disaster recovery, and emergency hardship.

See If You Qualify Visit homesforheroes.com

Who Qualifies

  • Military & Veterans (active, reserve, retired)
  • Law Enforcement Officers
  • Firefighters & EMS / Paramedics
  • Healthcare Professionals
  • PreK–12 Teachers & Educators

The Circle of Giving

Every Homes for Heroes transaction supports the Foundation — funding grants for heroes facing housing crises, disaster relief, and health-related hardship across the country.

Certified Liability Advisors

Every Team Member Holds the CLA Designation

Our team isn't just licensed — they're certified. The CLA (Certified Liability Advisor) designation means every conversation starts with your complete financial picture. We find the right solution, not just the easiest loan to close.

Talk to a CLA Today
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Every Borrower. Every Situation. One Lender.

From conventional to non-QM, Helocs & Heroes, backed by Geneva Financial, has the programs, experience, and licensing to get your loan done — wherever you are.

Why Us

Why Choose Helocs & Heroes

Geneva Financial is a full-service mortgage lender. While we specialize in non-traditional and home equity lending, our expertise spans the full mortgage spectrum.

Specialists, Not Generalists

We focus on home equity lending — deeper knowledge, more options, and better outcomes for eligible borrowers who don't fit the typical mold.

Non-QM Expertise

Self-employed, retired, investor — DSCR, bank statement, and asset utilization are our specialty programs.

1st Position HELOC Programs

We structure HELOCs in first lien position — the most direct and flexible access to your equity.

Heroes Welcome

As a Homes for Heroes affiliate lender, we're proud to serve military, first responders, healthcare workers, and teachers with real savings at closing.

Program Disclosures

* 100% financing up to the appraised value of the property, for eligible VA borrowers.

Ready to Access Your Home Equity?

Call or email today for a no-obligation consultation. We'll tell you exactly which programs you may qualify for.

Call 805-231-1644 Email DWaldman@genevafi.com