HomeSelect™ Program
The SmartLoan for Sophisticated Homebuyers — put your everyday cash flow to work against principal continuously.
Overview
HomeSelect™ is a privately labeled mortgage program offered exclusively by Geneva Financial. It is a first-lien home equity line of credit (HELOC) that combines a homeowner's mortgage and personal banking into a single, dynamic financial tool.
Rather than treating a mortgage as a fixed, decades-long obligation, HomeSelect lets borrowers put their everyday cash flow to work against their loan principal. Your income is deposited directly into the loan, and everyday expenses are paid out of it, meaning idle cash reduces the principal balance for as long as it sits in the account.
Is this you?
You are a financially disciplined homeowner or homebuyer with positive monthly cash flow who wants to manage an integrated loan-and-banking account to save substantial interest and pay off your home years earlier.
Why borrowers love it
Everyday interest offset
Paychecks deposited directly into the loan immediately lower the principal balance that interest is charged against.
Retain access to equity
Draw funds back out of your home equity over the 20-year draw period without needing a refinance.
Consolidated account
Functions as your primary checking account, complete with ATM/VISA® access, online bill pay, and checks.
Accelerated payoff
Put idle cash to work to retire housing debt years earlier without a change to your household budget.
How it works
Loan QA Check
Rachel will model your cash flow and confirm expectations before closing.
Welcome Packet
Receive your account onboarding materials 48-72 hours after closing.
Account Activation
Receive your ATM/VISA® debit cards, routing numbers, and access credentials 2-4 weeks after closing.
What you'll need
Common questions
Ready to move forward on a HomeSelect™ Program?
Get pre-approved today and find out exactly what you qualify for — I'll be in your corner every step of the way.