Lending Your Way: An Interactive Mortgage Guide

N FU Revised January 2025

D E D

Your Interactive Mortgage Guide

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Meet Kathy Click the video or scan the QR code to watch!

Kathy Colkitt

NMLS# 73055 / MLS-4672 Branch Manager/Loan Officer

Call/Text: 509-999-6464 Email: teamkathy@genevafi.com

Kathy has been serving happy homebuyers and owners for over 25 years as a mortgage loan originator. She is an advocate at heart!

Kathy enjoys spending time in nature, socializing with friends, and spending time with family. She has a wonderfully supportive husband and two beautiful daughters.​​ ​Kathy has completed the National Mortgage Exam and FBI background and credit checks. She is licensed in Washington, Idaho, Montana, and Arizona.

In This Guide Pg. 4

States We Serve

Pg. 5

Homes for Heroes

Pg. 6-7

Loan Types We Offer

Pg. 8

First-Time Buyers

Pg. 9

Buyer's Roadmap

Pg. 10

Selling and Buying

Pg. 11

Refinancing Your Home

Pg. 12

Reverse Mortgage

Pg. 13

Client Testimonials

Pg. 14

Giving Back

Pg. 15

Meet Your Advisors

Pg. 16

Take Action!

States We Serve WA

ID

MT

AZ

Homes for Heroes

Apply Now: bit.ly/cash4hero

Learn More

Loan Types

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Conventional

Max Loan Amount 2025: $806,500 (up to $1,209,750 in high-cost areas) Down Payment: As low as 3% or 5% HomeStyle: min. 5% Down (Rehab)

Investment

Property Appraisal Less Restrictive Seller Paid Closing Costs Allowed Stick Built, Log, Shop/Home, or Manufactured - OAC

Jumbo, Self-Employment, Bank Statement, & Airbnb's DSCR - 20% DP - C/O Allowed

620 Credit Score - OAC All In One Construction Loan available for stick built, shop-home, or manufactured homes

HELOC 1st Position - HomeSelect Hard Money - Fix-n-Flip, Construction (Investor & SelfBuild), Bridge Loans, & More...

FHA

·2025 Max Loan Amount: $524,225 (up to $1,209,750 in high-cost areas) Down Payment: As low as 3.5% Seller-paid closing costs allowed Manufactured allowed (OAC) Land Home Package (OAC) 203K Rehab loans Available All In One Construction Loan available for stick built, shop-home, or manufactured homes Mortgage insurance required 580 Minimum credit score (on approved credit)

We Offer Ø Down — 100% Program

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USDA

Seller Paid Closing Costs Allowed Geographical Area Limits Apply Income Limits Apply Mortgage Insurance Required Stick Built, Log, Shop/Home, or New Manufactured

600 Credit Score on Approved Credit All In One Construction Loan available for stick built, shophome, or manufactured homes

VA

No Max Loan Limit — Based on Veteran’s Certificate of Eligibility Zero Down — 100% Loan Program Seller-paid closing costs allowed Seller may pay Veteran’s debt in order to qualify – Not to Exceed 4% Seller Paid Closing Costs 600 minimum credit score (OAC) Manufactured homes allowed (OAC) All In One Construction Loan available for stick built, shophome, or manufactured homes

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First-Time Buyer?

Click the video or scan the QR code to watch!

Homeownership is Personal Pride - This is YOUR Home!

Be Prepared...

Get Preapproved (Know Before You Go) Down Payment: 0-5% Min. Have Money in the Bank You Will Need: Home Inspection $ Earnest Money $$ Appraisal $$$ Credit Score: Protect This!

Assets / Reserves Savings 401K, 403B, etc.

Retirement Plans

Set Yourself Up for Success!

Call, Text, or Apply Today! Don't Delay

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Click or scan the QR code to get a full Homebuyer Guide!

Looking to Sell and Buy? 10

Click the video or scan the QR code to watch!

Be Prepared for Success!

Contingent offer allows you to move in, using your equity as your Down Pmt

Sell & Use Equity to Buy with Reverse Mtg Loan

Apply Now!

Qualify with both Mortgage Debts, Then Decide to: List Your Home Rent Your Home Even Airbnb Your Home!

Refinance Cash-Out

Gain Financial Freedom Pay Off Your Home Quicker & Apply Savings to Principal See a Cash-Out Refi in Action!

Use Your Cash for...

Home Improvements Buy a Second Home Pay Debt Off Car/Recreation Vehicle/Toy Pay for College Medical Needs Family Vacation Wedding Costs

Rate & Term

Lower Your Interest Rate Pay Mortgage Off Sooner... Save Thousands of Dollars! $$$$$

Combine 1st and 2nd Loans for Simplicity and Savings Remove Your Mortgage Insurance Payment

Ready to Refi? Reach Out to Our Team!

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Reverse Mortgage Click the video or scan the QR code to watch!

Use Your Home Equity to Gain Financial Freedom Must be 62 or Older Your choice: No mortgage payment or make payments – you still must pay taxes, insurance, & maintain home Free Up Cash & Stay in Your Forever Home Purchase or Refinance Available Unmarried Couples Allowed (as Long as Both are 62 or Older) FHA Max HECM Loan Amount: $1,209,750 Fixed or Line of Credit Interest Rates Available

HECM FHA Guarantee is a Non-Recourse Loan

Seller-Paid Contribution to Closing Costs Allowed Up to 3%

Our Reverse Mtg Clients

Meet Sharon

Copyright©2025 Geneva Financial, LLC, NMLS #42056 This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements for refinances, and final credit approval. Not all applicants will qualify. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Geneva Financial LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government.

Geneva Financial LLC is approved to participate in FHA programs but the products and services performed by Geneva Financial LLC are not coming directly from HUD or FHA. Geneva Financial LLC NMLS #42056 is an Equal Opportunity Lender and Equal Housing Lender. 3155 S. Price Rd Chandler, AZ 85248. 1-888-889-0009. AZ BK #0910215 **These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply

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Dedication & Commitment Just Ask Our Clients!

Reviews

All Client Testimonials

Purchase/Refinance Testimonials

1st-Time Buyer Shares His Experience

Reverse Mortgage Testimonials

Connect with Us Online!

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Giving Back Supporting Communities

FFA

4H

Click Photos to See Videos

Where Do You Give Back?

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Professional & Strategic Advisors Meet Your Dedicated Experts Kathy

Courtney

Senior Loan Partner/Ops Manager NMLS #1519956

Branch Manager/MLO Advisor Workshop/Seminar Educator NMLS #73055

Melissa

Marketing/Technology Director

Our Commitment to You Mission Statement:

We assist, educate, and advocate for all people willing, ready, and financially able to have their dream of homeownership. We aspire to meet the mortgage needs of our clients and their families during this exciting and evolving time in their lives. We achieve this with the utmost grace, integrity, excellent customer service, and professionalism one can offer. ​

Vision Statement:

We as a team will move forward throughout the years inspiring others to join in our mission of providing quality outcomes to our clients' dream of homeownership. We will teach and model in the years to come in order for all people to understand how they can achieve homeownership.

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Excelling In...

Customer Service

Financial Education

Communication

Follow Up

Closing on Time

Funding Your Loan

Call or Text: 509-999-6464 Email: teamkathy@genevafi.com Apply Online: bit.ly/applyteamkathy Visit: www.kathyhomeloans.com We Hope We Can Count On You to Refer Your Friends, Family, & Co-Workers in the Market for a Purchase or Refinance to Us! -Kathy Colkitt's Team at Geneva Financial

Kathy Colkitt - Branch Manager/MLO Geneva Financial, LLC Scan for Most NMLS #73055 / MLS-4672 Lic. in WA, ID, MT, & AZ WA CL/ENTITY NMLS#-42056

Updated Version of this Book!

Or visit: bit.ly/lendingyourway

"Your Mortgage Advisor for Life"

mlsconsumeraccess.org • genevafi.com/disclosures-and-licenses/Copyright©2025 Geneva Financial, LLC, NMLS #42056 Loan program details are for educational purposes.This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements for refinances, and final credit approval. Not all applicants will qualify. Approvals are subject to underwriting guidelines, interest rates, and program guidelines. Approvals are subject to change without notice based on applicant’s eligibility and market conditions. Geneva Financial LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. Geneva Financial LLC is approved to participate in FHA programs but the products and services performed by Geneva Financial LLC are not coming directly from HUD or FHA. Geneva Financial LLC NMLS #42056 is an Equal Opportunity Lender and Equal Housing Lender. 180 S. Arizona Ave., Ste 310, Chandler, AZ 85225. 1-888-889-0009. AZ BK #0910215