Home financing, powered by Geneva Financial
Buying, refinancing, or pulling equity out of a home you already own. Residential mortgage financing is originated through Geneva Financial, LLC, so you get a licensed mortgage bank behind the loan and the same Oceana team coordinating it with the rest of your plan.
Most borrowers fit one of these.
Which one is right depends on your credit, income, equity, and what you are trying to do. That is the conversation, not a form.
Conventional
Backed by Fannie Mae or Freddie Mac. The default path for borrowers with solid credit and a down payment.
FHA
Insured by the Federal Housing Administration. Lower down payment and more forgiving credit requirements.
VA
For eligible veterans, service members, and surviving spouses. No down payment required on most purchases.
USDA
Rural and many suburban properties, with no down payment for households that meet the income limits.
Jumbo
Loan amounts above the conforming limit, for higher-value properties.
HELOC & Home Equity
Access equity without disturbing a first mortgage you would rather keep.
Renovation
Finance the purchase and the work together, rather than paying for repairs out of pocket afterward.
Reverse Mortgage
For homeowners 62 and older who want to convert equity into income or eliminate a monthly payment.
Self-Employed & Portfolio
Alternative documentation for business owners whose tax returns understate what they actually earn.
Physician
Built for medical professionals early in a career, where student debt distorts a standard approval.
First-Time Buyer
Down payment assistance and first-time programs, including Arrive Home, where available.
Credit Challenged
A realistic look at where you stand and what has to change before an approval is possible.
A mortgage is a liability decision, not just a rate.
Most lenders look at one transaction. Oceana already has the rest of the picture: what you owe, what you are protecting, and what you are trying to leave behind. A loan that looks cheap in isolation can quietly work against the plan.
- Structured alongside your debt strategy, not against it
- Titled and beneficiary-checked against your estate plan
- Certified Liability Advisors on the team, not just loan officers
From first call to closing.
Conversation
We talk through the property, your income, your credit, and what the loan is actually for. No application yet.
Pre-Approval
Geneva reviews your documents and issues a pre-approval you can shop or negotiate with.
Underwriting
The file goes through underwriting. We tell you what is needed and when, rather than leaving you guessing.
Closing
You sign, the loan funds, and we check the result against the rest of your plan.
Talk to a lending advisor
Tell us what you are trying to do and we will come back within one business day. This is not an application and it does not pull your credit.
Got it
Thanks. A licensed loan originator will follow up within one business day to talk through your options. Nothing has been submitted to a lender and no credit has been pulled.
Back to HomePrefer to just call?
Doug Waldman has been in lending since 2003 as a broker, banker, branch manager, and vice president, and holds a Certified Residential Appraiser designation on top of it.
(877) 414-6497
info@oceanagwp.com
Doug Waldman, NMLS #248175
Lauren Rockett, NMLS #2647357
Borrow smart, repay smart.
One conversation tells you whether the numbers work, and what would have to change if they do not.