Generations Home Loans

Generations Home Loans Generations Home Loans - NMLS #252939 nmlsconsumeraccess.org
www.GenHL.com/legal
Equal Housing Opportunity https://nmlsconsumeraccess.org/

Generations Home Loans is a full-service mortgage bank providing home buyers with a variety of loan products and complete home-financing solutions.

Your home has value. So does your equity.If you've been paying your mortgage and watching your property value grow, you ...
09/01/2026

Your home has value. So does your equity.

If you've been paying your mortgage and watching your property value grow, you may have more financial flexibility than you think. A HELOC lets you tap into a portion of that equity — without selling or refinancing. Borrow what you need, pay interest only on what you use, and access it again as you repay during the draw period.

A GHL Mortgage Advisor can walk you through your options. 👉 Read more on our website’s Industry News & Blog to see if a HELOC is right for you, follow the link in our bio.

A HELOC is secured by your home and subject to approval, so it's important to consider the costs, risks, and repayment obligations before borrowing.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

There’s no single number that tells the whole story. Buyers often assume there’s one credit score they need to qualify f...
08/27/2026

There’s no single number that tells the whole story.

Buyers often assume there’s one credit score they need to qualify for a mortgage. The answer is more nuanced. A credit score does not determine a buyer’s path to financing. Starting the conversation early can uncover possibilities for buyers and guide the home search toward homes within reach.

Find your GHL Mortgage Advisor to review your financial profile and explain what your credit means for your options. Follow the link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more:
https://generationshomeloans.com/

Join us in welcoming our newest GHL Mortgage Advisors. Jessica Cross is licensed in both Oregon and Washington. Growing ...
08/25/2026

Join us in welcoming our newest GHL Mortgage Advisors.

Jessica Cross is licensed in both Oregon and Washington. Growing up in the Pacific Northwest and working for 6 years in the mortgage industry, Jessica has gained a deep understanding of her community and market. She brings a well-rounded perspective to every transaction from start to finish.

Martine Frey is licensed in both California and Texas. She is a proud graduate of CSU, Chico and a current California resident. With 5 years of hands-on experience in the mortgage industry, Martine has built a client-centered reputation that makes the lending process feel approachable and empowering.

Find out more about our newest advisors by following our website linked in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

People Come First, Every Time.We believe homeownership works best when people come first. That’s why our expert advisors...
08/21/2026

People Come First, Every Time.

We believe homeownership works best when people come first. That’s why our expert advisors have a personalized approach and a disciplined process so every step of your lending journey is informed and guided by experience.

Follow the GHL website linked in our Bio to learn more and connect with a GHL Advisor today.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

The answer depends on more than today’s market. Mortgage rates make headlines, but the rate you qualify for is personal....
08/18/2026

The answer depends on more than today’s market.

Mortgage rates make headlines, but the rate you qualify for is personal. A GHL Mortgage Advisor can evaluate the full financial picture, explain how different loan options affect rate and cost, and provide current information based on the buyer’s specific scenario. Published rates are only a starting point. The rate that counts is the one based on the buyer.

Read more about qualification for mortgage rates on our FAQ page by following the link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

The Way Home - From Offer to KeysOnce your offer is accepted, the real work begins, and it happens largely behind the sc...
08/11/2026

The Way Home - From Offer to Keys

Once your offer is accepted, the real work begins, and it happens largely behind the scenes.

GHL’s Express Underwriting commitment refines underwriting, and is a standard we hold ourselves to, because preparation is what separates a rushed closing from a reliable one. It's a transaction and a milestone in a journey toward equity, stability, and the feeling of finally being home.

Welcome to homeownership. From your first mortgage to a second home, you’ll always have a trusted resource.

Connect with a GHL Expert and learn more about our Express Underwriting commitment by following our website link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

Before You Search, Get Certified. Not all pre-approvals are created equal. Every successful purchase begins before the s...
08/05/2026

Before You Search, Get Certified.

Not all pre-approvals are created equal. Every successful purchase begins before the search. At Generations Home Loans, we believe preparation is what separates buyers who compete from buyers who win. GHL’s Certified Buyers program is a pre-approval process built to move at the speed of the market, positioning you to make a compelling offer the moment you find the one. From there, you're ready to search with confidence, backed by a team that's already behind you.

Start your Certified Home Buyer process today by following the GHL website linked in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

Start With Information, Not Assumptions.If you’ve been asking yourself, “Is now a good time to buy a home?,” the first s...
07/21/2026

Start With Information, Not Assumptions.

If you’ve been asking yourself, “Is now a good time to buy a home?,” the first step is understanding where you stand. At Generations Home Loans, our Mortgage Advisors take the time to review your finances, explain your financing options, and answer any questions so you can make decisions based on facts instead of guesswork. You may decide you’re ready to move forward, or that waiting better serves your goals. Either way, you’ll have the information you need to set your sights and goals on the future with confidence.

Ready to start the conversation? Connect with a Generations Home Loans Mortgage Advisor to discuss your homeownership goals. Follow our website linked in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/ less

It’s More than a Mortgage ReviewBecause every buyer interaction is an opportunity to build trust, strengthen relationshi...
07/16/2026

It’s More than a Mortgage Review

Because every buyer interaction is an opportunity to build trust, strengthen relationships, and demonstrate the value GHL brings to the transaction.

Whether someone is preparing to submit an offer or simply wants another review of their financing, these programs open the door to stronger conversations with buyers and referral partners alike. When you connect with buyers and agents this week, consider where Certified Buyer or Second Look could naturally become part of the conversation.

Find out more about how our programs can benefit you by connecting with a GHL Mortgage Advisor. Follow our website link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

As Mortgage Advisors, we know every pre-approval is different.Some files are fully documented and ready to go. Others st...
07/11/2026

As Mortgage Advisors, we know every pre-approval is different.

Some files are fully documented and ready to go. Others still have conditions, assumptions, or opportunities that aren't identified until later in the process.

That's where our Certified Buyer and Second Look programs come in.

While they serve different purposes, both are designed to support you and your buyers throughout the transaction.

Find your GHL Mortgage Advisor to learn more about our programs by following the GHL website link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more:
https://generationshomeloans.com/

Address

1200 E. Orangeburg Avenue, Suite 103
Modesto, CA
95350

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 8am - 5pm
Sunday 8am - 5pm

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