Loan Options

Hook & Ladder Lending offers Conventional, FHA, VA, USDA, Refinance, Reverse, Jumbo and Condo Financing as well as Down Payment Assistance Programs, First-Time Homebuyer Programs, Physician Loans and Hero Loans for First Responders, Police, Firefighters, Nurses, and Teachers.

Traditional Programs

Purchase

The majority of Americans still believe a 20% down payment is required to buy a home. This is simply not true.

Refinance

To refinance a mortgage means to replace an existing mortgage loan with a new one. With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.

Conventional Loan

A Conventional loan is a loan that is not backed by a federal agency, but instead backed by private lenders such as Fannie Mae or Freddie Mac.

FHA Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration.

VA Loan

VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

Jumbo Loan

A jumbo loan is a loan that falls outside of the conforming loan limits.

Specialty Products

FHA Condo Loan

A Conventional loan is a loan that is not backed by a federal agency, but instead backed by private lenders such as Fannie Mae or Freddie Mac.

Reverse Mortgage

A loan allowing those 62+ years or older to age in place by accessing a portion of their equity

Hero Loan

Geneva Financial is committed to America’s everyday heroes.

USDA Loan

USDA loans are mortgages backed by the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program.

Physician Loan

The decision to care for others is honorable but often comes with the burden of substantial student loan debt.

Renovation Loan

Renovation loans are designed to help you finance a home renovation. There are several loan programs designed to help you with your home renovation

Down Payment Assistance Loans

A DPA Loan is designed for those who need assistance with the down payment costs.

First Time Home Buyers

Purchasing a home is an exciting milestone. We are here to help make the process as seamless as possible.

Credit Challenged

Just because you have a low credit score does not necessarily mean you cannot purchase your own home.

Fixed vs. Adjustable Rate Mortgages

A Fixed-rate mortgage is a mortgage with a fixed interest rate. An adjustable-rate mortgage is a mortgage with an interest rate that is fixed for a designated amount of time, and then will vary depending on the market.

Copyright © 2024 | All Rights Reserved NMLS #42056 | BK #0910215 | An Equal Housing Lender

Geneva Financial, LLC. D/B/A Hook & Ladder Lending | 180 S. Arizona Ave Ste 310 Chandler, AZ 85225.
This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. Hook and Ladder Lending is not affiliated with any government agency.