Helocs & Heroes · Geneva Financial

Full-Service Mortgage Lending.
Every Program. Every Borrower.

From conventional and VA to DSCR, bank statement, and reverse mortgages — one licensed team covers all of it.

Talk to a Loan Officer

Not Sure Which Program Fits?

A quick call covers all 8 programs — no obligation.

Call 805-231-1644
DWaldman@genevafi.com Call 805-231-1644
Full-Service Mortgage Lending · Geneva Financial

Most Lenders Will Offer You
3 Programs.
We Offer 8.

If you've been told no — or you're not sure where to start — it may be a lender problem, not a you problem. Geneva Financial offers a full range of programs, from conventional and VA to DSCR, bank statement, and reverse mortgages. One licensed team covers all of it.

Conventional · VA · FHA DSCR & Non-QM Bank Statement Programs Reverse Mortgage Down Payment Assistance Homes for Heroes
Call 805-231-1644 Email to Get Started

Douglas A. Waldman · Branch Manager, CLA · NMLS #248175 · Geneva Financial NMLS #42056
180 S. Arizona Ave, Suite 310, Chandler AZ 85225 · Not a commitment to lend · Equal Housing Lender

Why Borrowers Get Turned Away

It's Not Always About Your Finances.
Sometimes It's Your Lender's Limitations.

Most banks and mortgage companies focus on a narrow set of loan products. If your income is hard to document, your assets are tied up in investments, you're serving your country, or you're exploring your equity in retirement — you may be told "no" simply because your lender doesn't have the program. We do.

Self-Employed or Complex Income

Tax write-offs reduce your documented income. Traditional lenders struggle with that. Bank statement and asset utilization programs are built for exactly this situation.

Investment Property Equity

Rental income doesn't fit in a W-2 box. DSCR (Debt Service Coverage Ratio) programs qualify you on the property's income — not yours.

Veteran, Retired, or First-Time Buyer

VA loans, reverse mortgages, and down payment assistance programs each require specialized expertise. These aren't side offerings here — they're core programs.

Our Programs

One Lender. Eight Programs.
Every Borrower Profile.

Whatever your situation, one of these programs may be right for you. Click any program to learn more, or call and we'll walk you through all of them.

Conventional / VA / FHA
Traditional programs for purchase and refinance — including VA* for eligible veterans and FHA for first-time buyers.
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HomeSelect
1st position HELOC with an Equity Accelerator option tied to an FDIC-insured checking account.
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DSCR
Investment property loans qualified on rental income — no personal income documentation required.
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Bank Statement
Self-employed? Qualify using 12–24 months of deposits — no W-2 or tax returns required.
Learn More →
Asset Utilization
Retired or asset-rich with limited income? Use eligible investment or retirement accounts to qualify.
Learn More →
Reverse Mortgage
For homeowners 55+ (62+ for HECM). Access equity in 1st or 2nd position — no required monthly payment.
Learn More →
Down Payment Assistance
Grants, forgivable seconds, and low-interest programs that may help buyers close with less cash out of pocket.*
Learn More →
Homes for Heroes
Military, veterans, first responders, healthcare workers, and teachers may qualify for Hero Rewards at closing.
See If You Qualify →

*100% financing up to the appraised value of the property, for eligible VA borrowers. DPA programs are offered by third-party agencies; availability not guaranteed. All loans subject to credit and underwriting approval. Not all applicants will qualify.

Certified Liability Advisors

Your Loan Officer Is Certified, Not Just Licensed.

The CLA (Certified Liability Advisor) designation means every conversation starts with your complete financial picture — income, assets, liabilities, and goals. We find the right program for your situation, not just the easiest loan to close.

Backed by Geneva Financial — a full-service mortgage lender founded in 2007 and licensed across multiple states.

19+ Years in lending
8 Distinct programs
CLA Certified team
Douglas Waldman, Branch Manager at Geneva Financial
Who We Help

Which Borrower Are You?

We work with borrowers across the full spectrum — from straightforward conventional purchases to complex non-QM situations.

First-Time Buyer

FHA, VA, and DPA programs with low barriers to entry.

Self-Employed

Bank statement programs — qualify on deposits, not tax returns.

Real Estate Investor

DSCR — qualify on rental income, no W-2 needed.

Veteran or Active Military

VA loans with 0% down.* Homes for Heroes savings at closing.

Asset-Rich Retiree

Asset utilization programs — use your portfolio to qualify.

Homeowner 55+

Reverse mortgage in 1st or 2nd position — no monthly payment required.

Healthcare & First Responder

Homes for Heroes affiliate program — real savings, not gimmicks.

Complex Situation

If another lender said no, call us. We'll tell you which program might fit.

*100% financing up to the appraised value of the property, for eligible VA borrowers. All loans subject to credit and underwriting approval. Not all applicants will qualify.

Find Out Which Program Fits You — At No Cost

A single conversation with Douglas Waldman covers your full situation across all eight programs. No obligation. No pressure. Just answers.

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

Douglas A. Waldman · Branch Manager, CLA · NMLS #248175 · Geneva Financial NMLS #42056