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Why Geneva Financial?

Geneva Financial, LLC is a multi-state licensed direct mortgage lender with in-house processing, underwriting, document preparation and funding. We also maintain a long list of specialty-product-investors (see product list below).  By combining the best of both direct lending and investor options typically available to brokers only, we become somewhat of a hybrid lender insuring we are always competitive in price and products. Your local team of professionals has nearly 40 years combined lending experience and our systems allow for the ease of online application and paperless review at all levels of the lending process including electronic signing for your convenience. You're in good hands with the Central Coast Geneva team!

--- ATTENTION REAL ESTATE PROFESSIONALS --- We know the challenges and we are here to help! Our uniquely diverse product set means we can find the best solutions for your buyer. Our proprietary software insures that all parties related to a transaction will have ongoing status updates. With local processing, in-house docs, underwriting and funding we can keep close control of the file. From application to funding our systems keep you in the loop and everyone on the same page!

Mortgage Products
Purchase  or refinance...  CONVENTIONAL, FHA, VA, USDA, JUMBO, AGENCY, PORTFOLIO, HARD-MONEY, FIRST-TIME-HOME-BUYER PROGRAMS & DOWN-PAYMENT ASSISTANCE, REHABLILITATION or IMPROVEMENT LOANS, CONSTRUCTION LOANS and MORE.  We offer BANKED (in-house direct lending, docs and funding) via a huge resource of investors. In a nut-shell, if there's a loan for your scenario there's a good chance we'll find it. Property types may include Single-Family- Residence (SFR), Planned-Unit-Developments (PUD's), Condos, Manufactured, Multi-Unit, Land-only, New-Construction and more. What's your scenario? 

The Approval Process (What to expect)
For your purchase or refinance we'll cover some basic qualifying question of a mortgage application and determine your goals. We can even do this by phone in about 15-20 minutes or if you prefer, simply apply online and one or our licensed loan officers will be glad to assist you. With your permission, we can review your credit profile and share details including your credit scores. Based on your individual scenario we'll discuss any documentation needed to complete your application. We'll also want to schedule an appropriate amount of time to discuss product and pricing options. There will be some paperwork to get through but our Electronic-Signature (E-sign) process makes things easy. Our online portal keep borrowers informed and updated at every step!

If you are in the market to purchase a home we are happy to work with any real estate agent you choose or even assist you in finding a qualified professional.  Once we have the information needed for your file qualified applicants can expect to receive a pre-approval letter in as little as 24-48 hours. Same day prequalification's may also be possible.

Steps to completing a mortgage loan include...APPLICATION, DOCUMENT-COLLECTION, DISCLOSING, PROCESSING, UNDERWRITING, LOAN-SIGNING, FUNDING & CLOSING...all of which takes approximately 25-45 days.

We take pride in our work and love helping people finance their dream homes!

How to Apply For a Home Loan
Applying for a home loan is easy! 

Geneva Financial, LLC of Santa Maria
2125 S. Broadway Suite 111 - Santa Maria, CA 93454
OFFICE: 805-354-0334  FAX:  858-810-0934

Contact one of our license loan officers directly:

Charles Motley  Lic#218932  Call/Text:   805-478-8508   
APPLY ONLINE WITH CHARLES      www.CharlesMotley.com     Facebook

Amber McCarthy  Lic#330785   Call/Text:  805-260-4165
APPLY ONLINE WITH AMBER         www.HomeLoan.one           Facebook

Mark Brown
  Lic#360068   Call/Text:    805-260-2675      

Evening and weekend appointments can usually be accommodated!

Required Documentation For Mortgage Application
Please be prepared to provide these basic items:
- IRS Tax Returns & W2 Income Statements (most recent two years)
- Most Recent Bank Statements (up-to two months. All pages please even if blank)
- 30 days most recent paystubs (if W2 employee)
- Copy of valid drivers License & Social Security Card (or other proof of US legal residency)
- Other documentation based on a borrower's specific scenario.

Team Testimonials
“...thank you so much for helping us buy our first home! You went above and beyond what was expected and we greatly appreciate it. We couldn’t have done it without you!”
J. & A. D. – Nipomo

“Thanks for making my first home buying experience so ridiculously easy – I’m really surprised at just how quickly we got the whole process completed!”
Phillip H.

“Thank you so much for helping us move into our dream home! We really appreciate all your hard work and dedication.”
S. & R. K. – Santa Maria

...you accommodated my work schedule with late appointments.
S.W. – Arroyo Grande


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Loans will be arranged or made pursuant to a California Lenders License

Geneva Financial, LLC -   2125 S. Broadway Suite 111, Santa Maria, CA 93454
PHONE:  805-354-0334   EMAIL:  cmotley@genevafi.com
LIC:  CA-DBO603G564     NMLS: 42056