REQUEST YOUR FREE HOMEBUYER GUIDE TODAY!
If you are looking to make a purchase or looking to refinance your home, request our FREE Homebuyer Guide Today! This guide will help give you an idea of what to expect during your home buying/refinancing transaction as well as important keywords and phrases that we will use during your mortgage transaction.
- Do’s and Don’t
- Common Mortgage Terms
- Moving Checklist
- Document Checklist
We are committed to America’s every day heroes.
In addition to VA Home Loans, we carry multiple HERO mortgage products, including a 2% down payment assistance program for the following designations:
- All First Responders: Police, Firefighters, EMT
- Medical Professionals: Doctors, Nurses
- Active Duty and Veteran Military
- Homes for Heroes Approved Lender
Frequently asked questions
No! That’s a common misconception that you need to have a house selected first. We actually recommend for you to figure out how much you can purchase then select a home prior to home shopping.
If you contact me I can help you get pre-qualified at no cost to you.
No! We have many programs that can do less than 20%. Some of our mortgage finance programs allow for 3% to 4% down payment. If you would like to know your additional options, please contact us today!
It is an honor to serve our heroes: Military Veterans and active duty service members, you may qualify for a Veterans Administration (VA) loan. These loans often require no down payment and have lower closing costs, helping to keep your savings secure. At Geneva, we take pride specializing in the highest quality service for VA loans – service you deserve as a U.S. Veteran.
VA Home Loan
- 100% Financing with full VA Entitlement*
- No Monthly Mortgage Insurance
- Seller Contribution to Closing Costs Permitted Product Benefits
- No Prepayment Penalties Construction Financing For: – Single Family Residences – Townhomes – VA Approved Condos – Other property types may be eligible**
- Fixed- and adjustable-rate loan terms
*A down payment may be required if the borrower does not have full VA entitlement, or if the loan amount exceeds the current maximum loan amount. **
NO. There are multiple national and state down payment assistance programs with credit score requirements as low as 620 and some income maximums nearing $90k
Geneva Financial | Louis Baca - Branch Manager
Branch Manager | NMLS ID 196378
Phone: (480) 280-4678
Since 2005, Louis spent well over 25,000 hours to become an expert in mortgage finance, which is what makes him capable and qualified to help you decide what options are available for your home financing needs.
Each day, he is in the trenches helping people just like you to take a closer look at their situation and draws from his decade-plus experience to provide guidance throughout the process.
If asked to offer a bit of advice to someone that is unfamiliar with financing real estate, he would tell them to just get started! The start of any journey begins with the first step and in this case, it is filling out the quick online application or giving Louis a call at 214-395-7630. He will help you each and every step of the way!
Louis is Licensed in 23 states! Connect with him on his Facebook page, LinkedIn, or Instagram!
Alabama – Arizona – Arkansas – California – Colorado – Delaware – Illinois – Indiana – Iowa – Louisiana – Minnesota – Montana – Nebraska – New Mexico – Ohio – Oklahoma – Oregon – South Carolina – Tennessee – Texas – Virginia – Washington
Louis resides in Dallas, Texas with his wife and four kids.