For Homeowners & Homebuyers
Homeowner Loan Programs
Mortgage solutions with competitive rates and flexible terms designed for homeowners.
Financing Your Dream Home
At Genstone Financial, we understand that buying a home is one of the most significant financial decisions you'll make. Our homeowner loan programs are designed to provide you with flexible, affordable options that match your unique financial situation and homeownership goals.
Whether you're a first-time homebuyer, looking to refinance your current mortgage, or ready to upgrade to your dream home, our expert team will guide you through every step of the process.
Our Homeowner Loan Programs
Explore our diverse range of mortgage solutions designed to meet your specific needs.
We've made getting a mortgage simple and straightforward.
1
Apply
Complete our simple online application or meet with a loan officer.
2
Get Pre-Qualified
Receive a pre-qualified letter to strengthen your home purchase offer.
3
Find Your Home
Shop with confidence knowing exactly what you can afford.
4
Close Your Loan
Sign your final paperwork and get the keys to your new home.
Frequently Asked Questions
Find answers to common questions about our residential mortgage programs.
How much down payment do I need?
Down payment requirements vary by loan program. Conventional loans typically require 3-20%, FHA loans start at 3.5%, while VA loans offer as low as 0% down payment options for qualified veterans and service members.
What factors affect my mortgage rate?
Several factors influence your rate, including your credit score, loan-to-value ratio, loan term, loan type, property type, and current market conditions. Generally, higher credit scores and larger down payments result in lower interest rates.
How long does the mortgage process take?
On average, the process takes 30-45 days from application to closing. However, this can vary depending on the complexity of your financial situation, the type of loan, and current market conditions.
What documents will I need to provide?
Typically, you'll need to provide proof of income (pay stubs, W-2s, tax returns), bank statements, employment verification, identification, and information about debts and assets. Additional documentation may be required based on your specific situation.
Can I get a mortgage with less-than-perfect credit?
Yes, there are loan options available for borrowers with less-than-perfect credit. FHA loans, for example, have more flexible credit requirements, and we also offer specialized programs for those working to rebuild their credit.