HomeSelect puts your deposits to work on your mortgage.

HomeSelect is Geneva Financial's privately labeled version of the All In One Loan™: a first-lien home equity line of credit (HELOC) that also works as your checking account. Your income goes in, your bills come out, and money you haven't spent yet lowers the balance you pay interest on.

No. HomeSelect sits in first position and replaces your traditional mortgage. It isn't a second loan or a piggyback line on top of an existing mortgage.

Interest is calculated daily on the remaining balance (balance × rate ÷ 365) and billed monthly. Because deposits lower your balance right away, money in the account works against interest from the day it arrives. HELOC rates are variable and may change.

Yes. HomeSelect includes a Visa® debit card with ATM access, personal checks, online and mobile account access, direct deposit, mobile check deposit, online and automatic bill pay, and ACH and wire transfers.

No. Deposits are applied to your HomeSelect balance the day they post, so they are not held as a separate FDIC-insured deposit. Banking services are provided by an FDIC-insured depository bank.

Yes. HomeSelect can be used for purchases and for rate-and-term or cash-out refinances on primary residences, second homes, and investment properties, including single-family homes, condos, and 2–4 unit properties.

It tends to fit homeowners with equity who want a more flexible refinance, buyers who want an alternative to a traditional 30-year mortgage, high earners with good budgeting habits, and investors. It is generally not a fit if you are living paycheck to paycheck, rely on credit cards to float expenses, or do not track cash flow. Geneva's published Home Select minimum is a 700 credit score for a primary home or second home, and 720 for an investment property. Not all applicants will qualify.

Geneva's published Home Select minimum credit score is 700 for a primary home or second home and 720 for an investment property. Program guidelines allow a loan up to 90% of a primary home's value on a purchase or rate-and-term refinance and up to 70% on an investment property, debt payments up to 43% of income, cash reserves of up to 15% of the credit line, and loan amounts up to $3 million. Single-family homes, condos, and 2–4 unit properties qualify. All guidelines are subject to change and full underwriting. Not all applicants will qualify.

Luis's Geneva Financial profile lists Alabama, California, Georgia, Indiana, Iowa, Kansas, Louisiana, Minnesota, Nevada, South Carolina, Virginia, and Washington. Licenses can change. Verify current coverage on NMLS Consumer Access under NMLS #2730090, and choose your state in the form so Luis can confirm availability for your property.

Your request goes to Luis, who replies by email, or by a live phone call if needed, to set a free 30-minute Zoom. The form does not reserve a time. To hold a time now, book the Zoom on Luis's calendar or call Luis at 702-848-9262. Texts come only if you checked the call-and-text box. Sending the form isn't a loan application, doesn't run a credit check, and doesn't commit you to anything.

The simulator gives hypothetical estimates based on the numbers you enter. For a walkthrough of your own numbers, book a Zoom on Luis's calendar or call Luis. Your actual results depend on your rate, income, spending, and final loan terms. The rate is variable and may change.