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Generations Home Loans

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Modesto, CA
Generations Home Loans

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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.

10/13/2026

How much do you need to buy a home?

For a lot of buyers, the answer starts with 20% down. Add perfect credit and a healthy savings account, and homeownership can feel a long way off. But those aren’t the requirements for every buyer or every loan.

Lower down payment programs, gift funds, down payment assistance, VA loans, and other options can change the numbers considerably.

Before you save toward an assumption, find out what buying actually requires. Talk to a Generations Mortgage Advisor.

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

Learn more: https://generationshomeloans.com/

10/06/2026

How is everyone else making the numbers work?

It’s a fair question. Home prices. Interest rates. Monthly payments. The amount you have saved. What you earn. What you already own. Buying a home looks different depending on which numbers are yours.

And sometimes, the first step isn’t finding a house. It’s finding out what buying one could look like for you. Let’s look at your numbers.

Generations Home Loans | NMLS #252939 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

10/02/2026

Should you rent or buy? Here's the answer: It depends — and there's more to consider than a quick calculation.

Renting offers flexibility. Buying offers the opportunity to build equity and establish long-term housing stability. Neither is automatically the right choice.

The better fit depends on how long you plan to stay, how a mortgage payment compares to your rent, what down payment options may be available, and how homeownership aligns with your overall financial goals.

Follow the link in our bio to start the conversation and explore what options are best for you.

Generations Home Loans | NMLS #252939 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

09/29/2026

Buying a home comes with a lot of numbers, and we built our calculators to help make sense of them.

From affordability and payment estimates to renting vs. buying, our calculators give you the clarity you need to explore your options and make informed decisions.

Less guesswork. More confidence.

Explore our calculators through the link in our bio.

Generations Home Loans | NMLS #252939 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

09/25/2026

Homeownership works best when people come first. That's why every GHL client gets a dedicated Mortgage Advisor — no call centers, no handoffs, just real expertise from your first question to your final signature. Ready to start the conversation? Link in bio

Generations Home Loans | NMLS #252939 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

09/24/2026

Please join us in welcoming Matthew Ingram to the Generations Home Loans family!

Matthew is a Mortgage Advisor licensed in Utah with 6 years of industry experience. He grew up in Southern California and attended BYU-Idaho before moving to Utah in 2018. Matthew enjoys being a trusted lending resource and is ready to help you find the right path to homeownership.

Learn more and connect with Matthew on our website— link in bio.

Generations Home Loans | NMLS #252939 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

09/22/2026

You've spent years doing the right things — and that discipline opens doors.

A HELOC isn't just for renovations or investments. For some homeowners, it's what makes a long-held dream possible: that once-in-a-lifetime event, a child's education, debt consolidation. When evaluating your future plans, your home equity may be one resource that helps you do that thing you've told yourself you'd do "someday."

Your equity is real, it's yours, and there are smart ways to put it to work. Connect with a GHL Mortgage Advisor by following the link in our bio to see how they can help you make your dreams possible.

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 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

09/15/2026

The equity in your home can do more than sit there.

Looking to invest — in another property, real estate, or a new opportunity? A HELOC lets you access your home's built-up value without selling or refinancing. According to data from ICE Mortgage Technology and the Federal Reserve Bank of New York, U.S. homeowners now hold nearly $17 trillion in home equity, with $11 trillion available to borrow against — and HELOC balances have climbed for 16 straight quarters, hitting $446 billion in early 2026.

Used strategically with your financial and tax advisors, a HELOC may be one financing option to consider when evaluating broader financial goals. Connect with a GHL Mortgage Advisor through the link in our bio to learn more.

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 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

09/08/2026

One of your home's greatest assets may be the equity you've built.

That kitchen redo. The addition your family needs. The outdoor space you've been dreaming about. A HELOC lets you use the equity you've already built to fund the upgrades that make your home work better for how you live now — and HELOC interest may even be tax-deductible when used for substantial home improvements (ask your tax pro).

Your equity may already be ready when you are. Read more on our websites Industry News & Blog and connect with a GHL Mortgage Advisor to learn what a HELOC can do 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 | legal.genhl.com | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

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 | legal.genhl.com | 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

Website

http://www.generationshomeloans.com/

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