HomeLoansbyJulio.com
Call: (818) 233‑3968
Mortgage Strategy · Not Just a Rate

See Your Numbers in Real Life, Not Just on Paper.

We’ll look at your payment, cash to close, and long‑term strategy so you can move with confidence—not confusion.

Purchase & Refinance
Self‑Employed & W‑2
Bilingual Guidance
Run Your Numbers Or talk it through with Julio →
Julio Hernandez

Julio Hernandez

Branch Sales Manager · Geneva Financial
Call(818) 233‑3968
Emailjulio@genevafi.com
NMLS273945
Many Families Helped
Various Loan Programs
25yrsLending Experience
High ★Client Rating
Loan Programs

What We Offer

A plain‑language overview of the most common home loan options.

Conventional

Flexible terms, competitive rates. As low as 3% down.

We'll guide you.

FHA Loan

Government‑backed. As little as 3.5% down. First‑time buyer friendly.

We'll guide you.

VA Loan

Zero down for eligible veterans and active‑duty military. No PMI.

We'll guide you.

USDA Loan

100% financing for eligible rural and suburban properties.

We'll guide you.

Jumbo Loan

Financing above conforming limits for higher‑value properties.

We'll guide you.

Refinance

Lower your rate, shorten your term, or access equity.

We'll guide you.

HELOC

Revolving credit line backed by your home equity.

We'll guide you.

Debt Consolidation Refi

Roll high‑interest debt into one lower mortgage payment.

We'll guide you.
Calculators

Test‑Drive Your Payment Before You Commit.

Use the calculators below to get a feel for your monthly payment and options. These are estimates—when you’re ready, we’ll dial in real numbers together.

Conventional Loan Calculator

Estimate principal, interest, PMI, taxes, insurance, and yearly amortization.

FHA Loan Calculator

Estimate P&I, MIP, taxes, insurance, and yearly amortization.

Interest‑Only Snapshot

See a rough interest‑only payment for planning.

Amortization Calculator

See a yearly breakdown of principal, interest, payment, and balance.

Debt Consolidation & Savings

Compare your current mortgage and debts to a new consolidated loan with yearly amortization.

Ready to See Your Numbers in Real Life?

Use the calculators above to get a feel for your payment, then connect with Julio for a tailored strategy that fits your goals, timeline, and lifestyle.

Start Your Application
No obligation • No pressure • Just clear numbers and options.
Connect with Julio

Let’s Talk About Your Next Move

Whether you’re buying, refinancing, or just exploring options, you’ll get straight answers, clear numbers, and a plan that respects your time.

Direct, Personal Guidance

Every file is treated like it belongs to family. Call, text, or email and we’ll walk through your options together—no pressure, no jargon, just clarity.

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(818) 233‑3968
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julio@genevafi.com
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Geneva Financial · NMLS #273945
Call or Email