Zero Down Programs Available

Your Next Home is Closer
Than You Think

Many buyers don't realize they qualify for zero or low down payment programs. One call finds out — no obligation, no pressure.

📞 Call (818) 233-3968 💬 Send a Text

20+Years Experience

8States Licensed

BilingualHabla Español

NMLS# 273945Verified

Over Two Decades Helping Families Get Home

With more than 20 years in the mortgage industry, I've helped first-time buyers, veterans, self-employed borrowers, and seasoned investors secure financing that works for their life.

My approach is simple: I listen first, then find the right program for you. No jargon, no runaround — just honest guidance and a smooth process from start to close.

Habla Español — Le gusta ayudar a primeros compradores e informarlos de programas para préstamos de casa.

Branch Sales Manager — Geneva Financial LLC
NMLS# 273945

First-Time Buyers VA Loans USDA Loans FHA Loans Jumbo Loans Bilingual

Every Path to Homeownership

From VA and USDA zero-down loans to jumbo and construction financing — I have a program for your situation.

FHA Loan

Low down payment, flexible credit requirements

VA Loan

Zero down for veterans & active military

USDA Loan

100% financing — no down payment required

Conventional

Fannie Mae & Freddie Mac backed loans

Jumbo Loan

High-value properties above conforming limits

Construction Loan

Finance your new build from the ground up

Cash-Out Refi

Tap your equity for any purpose

HELOC

Flexible home equity line of credit

Debt Consolidation

Simplify payments, lower your rate

Down Pmt Assistance

Special programs — you may already qualify

Purchase Loan

Primary, second home & investment

Refinance

Lower your rate or change your term

Mortgage Calculators

Estimate your monthly payment in seconds. Call Julio for a precise quote.

Home Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Annual Property Tax ($)

Annual Home Insurance ($)

FHA requires 1.75% upfront MIP + 0.55% annual MIP (included in payment)

FHA Monthly Breakdown

Purchase Price—

Down Payment—

Base Loan Amount—

Upfront MIP (financed)—

Final Loan Amount—

Principal & Interest—

Annual MIP (monthly)—

Property Tax (monthly)—

Home Insurance (monthly)—

Est. Monthly Payment —

Get My Actual Rate →

Home Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Annual Property Tax ($)

Annual Home Insurance ($)

Annual HOA Fees ($)

PMI applies when down payment < 20%. Estimated at 0.85% annually — drops off at 80% LTV.

Conventional Monthly Breakdown

Purchase Price—

Down Payment—

Loan Amount—

Principal & Interest—

PMI (monthly)—

Property Tax (monthly)—

Home Insurance (monthly)—

HOA (monthly)$0

Est. Monthly Payment —

Get My Actual Rate →

What My Clients Say

Real stories from homeowners across California, Nevada, Arizona and beyond.

★★★★★

"Julio made the entire process seamless. As a first-time buyer I was nervous, but he walked me through every step and got me into my first home. I couldn't be more grateful."

Maria G.First-Time Buyer — California

★★★★★

"Being a veteran, I wanted someone who really knew the VA loan process. Julio was outstanding. We closed with zero down at a rate we couldn't believe. Thank you!"

James M.VA Loan — Washington

★★★★★

"We were told by another lender we didn't qualify. Julio found us a USDA loan with no money down and we closed in 30 days. He genuinely cares and it shows."

Kevin & Sarah B.USDA No Money Down — Oregon

★★★★★

"Julio nos explicó todo en español y nos ayudó con un programa de asistencia para el pago inicial. ¡Gracias a él somos dueños de nuestra primera casa!"

Carlos & Ana R.Down Payment Assistance — California

★★★★★

"His response time is unmatched — he answered my questions at 9pm! Found us an FHA program that saved us thousands. Highly recommend Julio to anyone."

Robert & Lisa T.Home Purchase — Nevada

★★★★★

"The cash-out refinance was seamless. He explained every option, never pressured us, and we're now saving over $800 a month. Professional from start to finish."

Sandra C.Cash-Out Refinance — Arizona

Ready to Find Out What You Qualify For?

One quick conversation can change everything. No cost, no commitment — just honest answers from a mortgage professional with 20+ years of experience.

📞

(818) 233-3968

✉️

[email protected]

🌐

Apply Online at GenevaFi.com

Your Next Home is Closer
Than You Think

Over Two Decades Helping Families Get Home