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Purchase Loans

Wondering which loan type is right for you? Reach out to our team!

Conventional

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  • Single-family residence Loan Limit: $806,500 (up to $1,209,750 in high-cost areas)

  • Down Payment: As low as 3% or 5% 

  • HomeStyle: min. 5% Down (Rehab Loan)

  • Property Appraisal less restrictive

  • Seller-paid closing costs allowed

  • Property appraisal less restrictive

  • 620 minimum credit score (on approved credit)

  • Home Types Allowed: Stick built, shop-home, log homes, & manufactured (all on approved credit)

  • All In One Construction Loan available 

  • Self-Employment loans available

  • Jumbo & Bank Statement non-QM loans available

  • All in One Home Select (compound interest working for you)

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FHA

  • Loan Limit: $524,225 (up to $1,209,750 in high-cost areas)

  • Down Payment: As low as 3.5% 

  • Seller-paid closing costs allowed

  • Land Home Package (on approved credit)

  • 203K Rehab loans Available

  • Home Types Allowed: Stick built, shop-home, log homes, & manufactured (all on approved credit)

  • All In One Construction Loan available 

  • Mortgage insurance required

  • 580 Minimum credit score (on approved credit)

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USDA

  • As Low as Zero Down — 100% Loan Program possible

  • Seller-paid closing costs allowed

  • Geographical area limits apply

  • Income limits apply

  • Mortgage insurance required

  • 640 minimum credit score (on approved credit)

  • Home Types Allowed: Stick built & new manufactured  (all on approved credit)

  • All In One Construction Loan available

VA

  • No Max Loan Limit — Based on Veteran’s Certificate of Eligibility

  • As low as Zero Down — 100% Loan Possible

  • Seller-paid closing costs allowed

  • Seller may pay Veteran’s debt in order to qualify – 
    Not to Exceed 4% Seller Paid Closing Costs

  • 600 minimum credit score (on approved credit)

  • Home Types Allowed: Stick built, shop-home, log homes, & manufactured (all on approved credit)

  • All In One Construction Loan available 

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Investment

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  • 1st lien position HELOC –  Home Select
    (compound interest working for you)

  • Must See – CALL for a simulator example!

  • DSCR, Jumbo, Bank Statement, & Self-Emp.

  • 1-4 Units – 20-30% Down (on approved credit)

  • Seller may contribute 2% to buyer closing costs

  • AirBnB allowed – 2nd Home or Investment

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We are here to serve your mortgage needs!
Equal Housing Oppurtunity Logo_BK_NMLS-01.png
Equal Housing Lender.
Copyright © 2025
All rights reserved.
Company Info:
Geneva Financial, LLC
NMLS #42056
Branch NMLS #1896157
Idaho #MBLB-2081896157 / #MBL-6976
Serving Washington, Idaho, Montana,

& Arizona
Geneva Financial Logo
Fax: (509) 497-2373
nmlsconsumeraccess.org • genevafi.com/disclosures-and-licenses/ Copyright©2025 Geneva Financial, LLC, NMLS #42056.
WA Consumer Loan Company License CL-42056. Loan program details are for educational purposes. This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements for refinances, and final credit approval. Not all applicants will qualify. Approvals are subject to underwriting guidelines, interest rates, and program guidelines. Approvals are subject to change without notice based on applicant’s eligibility and market conditions. 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. Geneva Financial LLC NMLS #42056 is an Equal Opportunity Lender and Equal Housing Lender.
180 S. Arizona Ave., Ste 310, Chandler, AZ 85225. 1-888-889-0009. AZ BK #0910215
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