Ruth Watkins
Mortgage Banker | NMLS ID 307039
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Several factors can affect your ability to get low mortgage rates. Credit score, down payment, the home you want to buy or refinance, the length of the loan, how much you borrow, and even when and where you’re borrowing can all have an impact on what sort of home loan interest rates you can obtain.
Finding the lowest mortgage interest rates is only one factor to be considered when shopping for a home loan. Other considerations, such as closing costs and the type of mortgage, will affect your overall costs as well.
Fill out the below Mortgage Rate & Cost Request form to the best of your knowledge and I will get back to you as quickly as possible with an estimated scenario.
Compare mortgage programs and use our mortgage and refinance calculator to explore your options! 2020 Excellence in Banking Winner. Get a no-hassle consultation and review today’s rates with a licensed loan officer today! Over 500 verified 5-star online reviews! Geneva Financial – Home Loans Powered by Humans® – Direct Lender serving 43 states offering New Home Mortgages, Refinance, VA & USDA Loans, Homes for Heroes, HELOC, Renovation Loans, Reverse Mortgage, Self-Employed, Down Payment Assistance Programs and Investor/Commercial lending products. Arizona Corporate Office…
BRANCH ADDRESS
6328 US Hwy 19 Suite F
New Port Richey, FL 34652
Contact
Office:
727-856-0500
Mobile:
727-809-4428
Fax:
866-770-2506
Email:
RWatkins@GenevaFi.com
Licensed in: Florida (FL)
About Ruth Watkins
NMLS ID 307039
My career in mortgage lending began in 1986. Cross trained in processing, underwriting, and closing I saw an overwhelming need and in 1991 I founded Bay Processing Inc., Florida’s first contract processing center with delegated underwriting authority through 5 national lenders. Bay Processing also served 18 Florida Federal Credit Unions via employee training, LOS implementation and product enhancement through the addition and development of wholesale relationships. In 1996 I founded Resolution Mortgage Corp to facilitate the needs of my personal referral clients and grew to serve as the in-house lender for multiple Real Estate Brokers and their agencies. Today, my passion for helping borrowers achieve their home loan dreams continues to be the driving force of my daily activities and love for this business. I joined Geneva Financial LLC due to the aggressive platform, commitment to service, and vision on which the company was built. Call me today or apply online and let us go to work for you!
MORTGAGE LOAN PROGRAMS & RESOURCES
PURCHASE
REFINANCE
CONVENTIONAL LOANS
JUMBO LOANS
FHA LOANS
VA LOANS
USDA RURAL LOANS
FIRST-TIME HOMEBUYER PROGRAMS
DOWN PAYMENT ASSISTANCE PROGRAMS
HOME EQUITY LINE OF CREDIT (HELOC)
ADJUSTABLE-RATE MORTGAGE
RENOVATION LOANS
REVERSE MORTGAGE
MORTGAGE PAYMENT CALCULATOR
HOMEBUYERS GUIDE
MORTGAGE FREQUENTLY ASKED QUESTION (FAQ)
DIY, DESIGN & HOME FINANCE BLOG
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What My Clients Say
“Ruth came highly recommended!”
I was new to the area and didn’t know who to go to secure a loan to purchase a home. Ruth came highly recommended. She was able to get the ball rolling right away in starting the loan process. She answered all my questions (no matter how minor they were) and always responded back to me within the same day I asked questions. She was very prepared and always gave me a heads up to get particular paperwork ready for the next communication. The sooner I had the necessary information, she was ready to move forward. My loan was secured much sooner than I expected. If you are serious about purchasing a home and need a broker, I would highly recommend Ruth Watkins.
“She got back to us immediately!”
Ruth was wonderful….she followed through on every and any questions we had through the entire process. She answered us back immediately. Not only was she friendly and personable but at the same time maintained a very professional attitude. We would highly recommend her to anyone buying a home “she gets the job done” and we would use her for any future home purchases. Thank you Ruth……Wyatt & Denise
“I would definitely recommend her to a family member or relative!”
From the very beginning I knew Ruth, knew what she was talking about.The bigger company don’t give you the service that Ruth does ,you can call her anytime within reason and she’ll answer you back within the hour if not sooner. I was going through a divorce when I started and Ruth was a big help with that because of the concerns I had ,so being that she had recently gone through it she was able to advise the loan process. I would definitely recommend her to a close friend and or relative.Great Job!!!!!!!
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