Dushan and Jenni - Senior Loan Officers at Geneva Financial, LLC.

04/30/2026

Appreciate you CB! 🫡

Our clients continue to tell our story one closing at a time! to get the opportunity to work with some amazing people! 🙏🏾🏡🏁

Who’s next? 🔑🏡

🦸🏾‍♂️🦸🏻‍♀️

10/17/2025

Thinking about refinancing but not sure if it makes sense? 🤔

Let me share something that might surprise you...

Refinancing isn't just about dropping your rate by 1%.

Here are some other scenarios where it DOES make sense:

•Cash-out for high-interest debt - If you're carrying credit card debt at 19%+, consolidating into your mortgage could save thousands

•Home improvement plans - Future Kitchen renovation? Home equity may be a cheaper route than most other forms of debt.

•Cash out equity to build your real estate portfolio - The more real estate you own, the higher your networth. Equity is a fancy word for your money, so why not use your money to purchase more real estate, which makes you MORE MONEY?💰💰

•Defer 2 months mortgage payments and get possible escrow refund within 30 days of closing on your refinance - Did you know when you refinance, you don’t start making payments on your new loan as soon as you close on the refinance? Example: If we closed on your refinance at the beginning on November 2025, you wouldn’t have a mortgage payment for all of November AND December. Your first mortgage payment wouldn’t be until January 1st 2026! Imagine the kind of money you’d save with no mortgage payment for 2 months. 🙌🏾😀

The point? Every situation is unique. There is no "rule" about when is the right time to refinance. Do not struggle financially in silence, your homes equity is there to help you if you need to access it.

Want me to run your numbers?

DM or text “RefiNow” to (512) 630-8981 and we’ll put together a strategy that works best fo your financial situation.

10/15/2025

🍂 We’re falling for fall (again).

Discover DIYs, décor trends, and ways to make your home feel like the warm hug it deserves.

Read the Home By Geneva Fall Edition here:

👉🏾 https://issuu.com/homebygeneva/docs/home_by_geneva_fall_edition_2025

Welcome to Issuu’s blog: home to product news, tips, resources, interviews (and more) related to content marketing and publishing.

10/11/2025

🚨 Big news for homebuyers!

The 2026 FHFA Conforming Loan Limit just increased to $819,000 — giving you more buying power than ever before.

More home. More flexibility. More possibilities.

✨ Your dream home just got closer.

10/08/2025

🏡 IRS Shutdown Could Cause Mortgage Delays

The IRS has furloughed 34,000 employees, pausing many operations and slowing key services like income verification (IVES) and Form 4506-C transcript processing.

These interruptions may cause delays in loan approvals and extended closing timelines for some homebuyers and lenders.

At Geneva Financial, we’re closely monitoring the situation and are here to help clients navigate potential delays and keep their homebuying goals on track.

👉🏾 To read more, click here: https://www.mpamag.com/us/news/general/irs-shuts-down-threatening-delays-for-mortgage-lenders-and-borrowers/552405?hsmemberId=191083&tu=&utm_campaign=&utm_medium=20251008&_hsmi=384351227&utm_content=&utm_source=

10/02/2025

The government shutdown may make headlines, but it doesn’t mean you need to pause home goals. Here’s the truth, whether you’re already in process, just starting, or thinking about applying, most home loans continue with little to no change. The is here to guide you, answer your questions, and keep things moving smoothly. 🏡✨

For our realtor partners, here’s a quick breakdown:

✅ Fannie Mae & Freddie Mac: Operations continue
✅ FHA & VA: Largely available
✅ USDA: Conditional commitments required
✅ Flood Insurance: Private options unaffected

Together, we’ll keep homeownership moving forward — with confidence, clarity, and care.

09/23/2025

🌴✨ Big news — the is now officially licensed in CALIFORNIA! ✨🌴

As a SoCal native born and raised, it’s only right I show some to the state that gave me so much. 💙

We’re licensed, ready to serve, and excited to help clients and realtors make homeownership happen in the Golden State. 🏡🔑

Let’s work, California! 🌴🌊

Dushan and Jenni 🦸🏾‍♂️🦸🏻‍♀️
(512) 630-8981 ☎️
TeamMortgageLending.com 🌐

09/15/2025

Hispanic Heritage Month is a time to recognize and celebrate the history, culture, and achievements of Hispanic and Latino Americans. Their stories and legacies continue to inspire growth, unity, and opportunity.

09/05/2025

🚨 Mortgage Update: Rates Drop 🚨

Mortgage rates experienced their biggest one-day decline in over a year, hitting their lowest level since October 2024 after the August jobs report came in weaker than expected.

To sum it up….

🚨 Jobs report came in weak — just 22,000 new payrolls vs. 75,000 expected. Unemployment ticked up to 4.3%.

💡 A Fed rate cut is basically guaranteed now… but here’s the catch: mortgage rates already price this in.

👉🏾 Waiting for the Fed to cut = too late. If you’re thinking about buying, act now to lock in the best deal.

Have questions? DM or hit up the Mortgage Dream Team at (512) 630-8981🔑🏡

Read more about the shift and what it means for the housing market here:

https://www.cnbc.com/2025/09/05/mortgage-rates-drop.html

09/02/2025

💡 IF the FED Lowers Rates…

• Credit Cards & HELOCs – These are tied to the Prime Rate, so when the Fed cuts, your rates (and monthly payments) usually drop.

• Mortgages – Different story! Long-term mortgage rates (like the 30-year fixed) aren’t set by the FED.

They move with the bond market and inflation, so they don’t always fall when the FED cuts rates. If you need more information, DM or give us a call.

Long story short: Fed cuts help short-term debt right away, but mortgages WILL NOT be in the 3% range by January. If you can afford it, don’t wait, buy the house🏡🔑 now!

Dushan and Jenni 🦸🏾‍♂️🦸🏻‍♀️

(512) 630-8981 ☎️

TeamMortgageLending.com 🌐