The Home Select Loan from Geneva Financial redefines home financing by integrating your mortgage with a powerful banking solution. This innovative approach helps you pay down your loan faster, reduce interest costs, and access home equity with ease—all while keeping your money working for you. See how HomeSelect can transform your financial future today!
With Home Select, your income is deposited directly into your loan account, immediately lowering your balance. That means less interest paid over time and a faster path to owning your home free and clear.
Unlike traditional mortgages, interest is calculated on your daily balance. The more you deposit, the more you save, giving you long-term interest savings without needing to make extra payments.
Need funds for a renovation, emergency, or opportunity? HomeSelect gives you direct access to your home equity without needing to refinance or apply for a separate loan.
Home Select works like a full-featured checking account—with online bill pay, ACH transfers, mobile deposit, and even a debit card, making your money work harder without losing convenience.
Whether you’re self-employed, earn variable income, or just want more control over your finances, HomeSelect gives you the flexibility to manage your mortgage your way.
With 30 years of access to your revolving line, no prepayment penalties, and no hidden fees, HomeSelect supports your financial goals not just today—but well into the future.
Home Select is a first-lien mortgage that functions like a checking account, offering a smarter alternative to traditional home loans. By depositing your income into this account, your balance is automatically reduced—minimizing daily interest charges and accelerating your loan payoff. It’s a 30-year open-ended mortgage with no balloon payment, no prepayment penalties, and up to $3 million in lending power. Use it for purchases or refinances on primary, second, or investment properties, including single- and multi-family homes.
With built-in banking features like online bill pay, direct deposit, ATM and Visa access, mobile check deposits, and ACH transfers, Home Select acts like a full-service checking account that happens to pay down your mortgage. Your income works for you every day, reducing interest and building equity—without changing your spending habits. It’s financial efficiency without the need for a new lifestyle.
To qualify, you’ll need a minimum 700 credit score for primary or second homes, and 720 for investment properties. Loan-to-value ratios go up to 90% for primary residences and 70% for investment purchases or refinances. A 43% DTI cap and positive cash flow are required, along with up to 15% of your line of credit in reserves. HomeSelect offers a 1-month adjustable rate, with terms that remain competitive with conventional loans. Talk to your mortgage advisor today to see if it’s the right fit for your goals.
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NMLS #42056 | BK #0910215 | MA #ML42056 | CA #603G564 NMLS #42056 | BK #0910215 | MA #ML42056 | CA #603G564 180 S. Arizona Ave Suite 310 Chandler, AZ 85225 An Equal Housing Lender | All Rights Reserved
