My focus is making the home loan process easier for you, whether it’s a purchase or a refinance.

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

Licensed in 8 States

Bilingual — Habla Español

NMLS# 273945

Julio Hernandez

Branch Sales Manager
Geneva Financial LLC

NMLS# 273945

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.

Loan Programs

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

Client Reviews

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

Your Next Home is Closer Than You Think

Over Two Decades Helping Families Get Home

Every Path to Homeownership

Did You Know You May Qualify for Zero Down?

What My Clients Say

Ready to Find Out What You Qualify For?