Get Mortgage Rates for today!
Several factors can affect your ability to get low mortgage rates. Credit score, down payment, the home you want to buy or refinance, the length of the loan, how much you borrow, and even when and where you're borrowing can all have an impact on what sort of home loan interest rates you can obtain.
Finding the lowest mortgage interest rates is only one factor to be considered when shopping for a home loan. Other considerations, such as closing costs and the type of mortgage, will affect your overall costs as well.
Fill out the below Mortgage Rate & Cost Request form to the best of your knowledge and I will get back to you as quickly as possible with an estimated scenario.
1222 SE 47th St., Cape Coral, FL 33904
Licensed in: Florida (FL), Georgia (GA), Virgina (VA)
About Raymond Stevens
NMLS ID 177825
Hello and welcome! Thank you so much for exploring these pages of my website. I hope you find the content here useful and informative. I've been a branch manager and loan officer in this business for 20 years. I have the experience to help you through even the most challenging obstacles to getting approved for a mortgage.
As a top-rated Zillow lender with 171 five-star reviews, many real estate agents call me their “preferred lender.” I have proven to them that Geneva Financial and I close even the most difficult and complex loans closed on time. Upon meeting me for the first time, new borrowers often say, “You come highly recommended!” That sets the bar high for expectations and is a personal goal for each and every loan application.
At Geneva Financial, we have a complete assortment of mortgage products to fit your unique situation. Whether you are a military veteran, a low credit score borrower, an investor or an average borrower, we can quickly assess your financial situation and suggest one or more programs that you may be eligible for. Not only are we government endorsed FHA lenders and Fannie Mae direct sellers, we’ve established mortgage banking relationships with Americas leading financial powerhouses. This ensures that our clients have access to the best mortgage products at the most competitive price.
Our motto is “Home Loans Powered By Humans.” There is a personal touch to closing your loan with Geneva Financial that makes you feel like you are our only customer. Accessibility is underrated but one of the attributes we are famous for. Coupled with experience, our customers enjoy a mortgage approval process where they are well informed and relaxed. Thank you for giving us the opportunity to work with you.
MORTGAGE LOAN PROGRAMS & RESOURCES
USDA RURAL LOANS
FIRST-TIME HOMEBUYER PROGRAMS
DOWN PAYMENT ASSISTANCE PROGRAMS
HOME EQUITY LINE OF CREDIT (HELOC)
MORTGAGE PAYMENT CALCULATOR
MORTGAGE FREQUENTLY ASKED QUESTION (FAQ)
DIY, DESIGN & HOME FINANCE BLOG
What My Clients Say
“Couldn’t have been any smoother”
Ray Stevens and his team were amazing! They made obtaining a new mortgage smooth and easy. This experience was, by far, the most effortless mortgage I've ever done (and I've done a few). Ray was very knowledgeable with the VA mortgage process. I'd go to him in a heartbeat for my next mortgage!
“Wonderful man, excellent leader”
My wife found Ray by reading these positive reviews so it only makes sense that we report on our experience with him. Ray is thorough, professional, caring and knowledgeable. We had a tough process, but because of Ray’s tenacity and know-how, we never lost faith and now own a beautiful home. If you want someone who will go the extra mile for you, chose to work with Ray. He never disappointed us and he won’t disappoint you.
“Honest and Upfront!”
I used Ray for a refinance of my present mortgage. Ray is very honest and upfront with the entire financing process and is willing to go through every line if asked. He explains each fee and how the fee structures are within the industry as is very quick to respond which is a big plus when trying to lock rates in a fluctuating market.