Smart mortgage solutions built for sophisticated homebuyers.
Geneva Financial offers comprehensive mortgage banking services including the Home Select All in One with comparable effective APR refinance rates consistently lower than conventional loans for qualified borrowers. Should the HomeSelect All in One product not meet your needs, we provide a variety of alternative options for home loans and refinance.
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HomeSelect Simulator
Run the numbers and explore how much you may be able to save using the HomeSelect Challenge tools.
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See what traditional banks do not want qualified borrowers to compare.
These side-by-side examples help show how the Home Select All in One can compare against more conventional loan structures in real scenarios.
The Home Select All in One loan: Results the banks don't want you to see.
Watch this comparison showing why many borrowers are surprised when they finally see how a conventional loan stacks up against the HomeSelect option.
$640,000 Loan Comparison
$640,000 Loan Comparison between the HomeSelect and a conventional 80% loan to value. 20% equity in a refinance or 20% down payment on a purchase.
$2,000,000 Jumbo Loan Comparison
Client saves over $2,000,000 in interest. No wonder the big banks don't want you to know about this loan. Jumbo loan vs a HomeSelect loan. There is no comparison for qualified borrowers.
A smarter way to understand how the HomeSelect loan works.
Here is a clearer look at what the HomeSelect All in One is, the advantages it offers, and the qualifications borrowers typically need to meet.
What is the HomeSelect All in One Loan?
The HomeSelect All in One is a mortgage for either a home purchase or refinance that functions like a checking account. It is a modern alternative to a traditional mortgage because funds deposited into the account help offset the loan balance, which can significantly reduce the amount of interest that accrues daily.
It is a first-lien, 30-year open-ended mortgage tied to an embedded transactional sweep-checking account. For qualified borrowers, the HomeSelect All in One offers some of the lowest comparable home loan and refinance rates available.
- No balloon payment and no prepayment penalty.
- Provides up to 30 years of draw access to available equity.
- Loan amounts available up to $6 million with no geographic limitations.
- Can be used for both purchases and refinances.
- Available for primary residences, second homes, and investment properties.
- Eligible for single-family and 2–4 unit multi-family properties.
What Are the Benefits?
The HomeSelect All in One includes the convenience of many everyday banking features while also helping borrowers use their income more efficiently against their mortgage balance.
- Online bill pay and account management.
- Direct payroll deposit and ACH transfer capability.
- ATM and VISA point-of-sale card access.
- Personal checks, wires, and digital money transfers.
- Automatic bill pay and mobile check deposit.
- The flexibility of a traditional checking account combined with mortgage optimization.
This structure allows borrowers to use their income dollars to potentially reduce mortgage interest costs dramatically, without necessarily changing their budget or lifestyle. For qualified borrowers, comparable effective APRs may come in well below national averages.
What Are the Qualifications?
Borrowers should generally have strong credit, healthy equity or down payment positioning, and solid positive monthly cash flow.
- 700 minimum FICO for primary residences and second homes.
- 720 minimum FICO for investment properties.
- Up to 90% maximum LTV for primary-home purchases or rate-and-term refinances.
- Up to 75% maximum LTV for investment-property purchases or rate-and-term refinances.
- 43% maximum DTI, with up to 15% of the line of credit required in reserves.
- Applicants should demonstrate strong positive cash flow.
