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Purchase Loans

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

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Conventional

· SFR Loan Limit for 2025: $806,500 (up to $1,209,750 in high-cost areas)

· Down Payment: As low as 3% or 5%

· Property Appraisal Less Restrictive

· Seller Paid Closing Costs Allowed

· Stick Built, Log, Shop/Home, or Manufactured  

· 620 Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

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FHA

· Loan Limit for 2025: $524,225 (up to $1,209,750 in high-cost areas)

· Down Payment: As low as 3.5%

· Seller Paid Closing Costs Allowed

· Stick Built, Log, Shop/Home, or Manufactured

· Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

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USDA

· Zero Down — 100% Program

· 6% Seller Paid Closing Costs Allowed

· Geographical Areas

· Income Limits Apply

· Stick Built, Log, Shop/Home, or New Manufactured

· 640 Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

VA

· No Max Loan Limit - on approved credit

· No Mortgage Insurance

· VA Disabled = Zero Funding Fee may apply

· Certificate of Eligibility Required

· 4% Seller Paid Closing Costs Allowed

· Stick Built, Log, Shop/Home, or Manufactured

· 600 Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

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We are here to serve your mortgage needs!
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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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