VA loans - Geneva Financial LLC

VA Loansleft

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.


Other benefits of a VA loan include:

  • Negotiable interest rate.
  • Closing costs comparable – and sometimes lower - than other financing types.
  • No private mortgage insurance requirement.
  • Right to prepay loan without penalties
  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.


Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.


A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.


Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.







For Our Freedom!!!!!

We must always remember and honor those who have shown their lives served a higher purpose and that their calling was to put country first.

We pray for the safety of those who serve in our military and stand in harm’s way We pray for their families for strength and blessing and courage as they sacrifice so much. We pray for peace and safety for the most blessed nation on earth.

Show your gratitude to a veteran who lost a comrade in arms or to the spouse or child of a fallen hero.

If Americans will once again be
"One Nation Under God",
God will Bless America, AGAIN!


"You Can Leave Me A Loan"®


"We Close Loans for You"


Korene Clopine-Seaman and the KLCSLOANTEAM are a mortgage team that invests themselves with their clients and referral partners business. They provide more than just mortgage information, education and services, they have built relationships in our business and invested in providing services that helps deliver our core mission to provide the services that meets our client's needs in line with our company culture and values.

The KLCSLoanTeam and the support staff are highly trained in all of the various loan products currently available. We are well prepared to answer any questions you may have about buying a home or to assist you with analyzing your current home loan. Simply put, we are here to help you make informed right-fit mortgage decisions.

The customer experience is our number one priority. Communication is a very important part of our business model and our unique loan process, and our investment in technology reflects just that. We have mastered the ability to effectively communicate with all parties involved on each and every transaction keeping everyone up-to-date from the first phone call through funding. Our goal is to use all of our resources to make your transaction as smooth and efficient as possible.

With the experience, resources and exceptional service standards, you will see why we deliver…simply better home loans as we are working to serve our customers, clients, and referral partners. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states.

Geneva Financial LLC is a  mortgage banker with lending authorization for Conventional, HUD, FHA, Reverse Mortgages, VA, USDA, and Jumbo real estate loans lending with offices in various locations focusing on providing  to the people in the communities we serve throughout the United States mostly in the Southwest and Northwest. We are available to help borrowers achieve the dream of home ownership and assist them as they take advantage of today’s real estate investment opportunities and mortgage rates. 




Geneva Financial LLC
15396 West 83rd Ave., Suite F-101
Peoria, AZ  85381
Direct Office Phone:(623) 340-0934
Fax: (623) 218-1807

Geneva Financial, LLC.:
Arizona: BK-0910215 - 1018 E Guadalupe Road, Tempe, AZ 85283
Arizona: NMLS 148980 -  4302 N 32nd Street, Phoenix, AZ 85018
1600 W. Chandler Blvd, Suite 260,California
: 603 G564 - 1018 E Guadalupe Road, Tempe, AZ 85283
Colorado: 42056 - 1018 E Guadalupe Road, Tempe, AZ 85283
Colorado: 42056 - 5161 E Arapahoe Road, Suite 100, Centennial, CO 80121
Florida: MLD910 - 1018 E Guadalupe Road, Tempe, AZ 85283
Idaho: MBL 6976 - 1018 E Guadalupe Road, Tempe, AZ 85283
Idaho: MBL 7058 - 3444 35th Ave W, Seattle, WA 98199 
Oregon: ML4799 - 1018 E Guadalupe Road, Temp, AZ 85283
Oregon: ML4799 - 18895 Shenandoah Drive, Oregon City, OR 97045
Oregon: ML4799 - 3444 35th Ave W, Seattle, WA 98199
Washington: 510-MB-49323 - 1018 E Guadalupe Road, Tempe, AZ 85283
Washington: MB-266109 - 111 W North Bend Way, North Bend Way, North Bend, WA 98045 Washington: MB-212813 - 18895 Shenandoah Drive, Oregon City, OR 97045
Washington: MB-149773 - 3444 35th Ave W, Seattle, WA 98199

Geneva Financial Group, LLC.
Nevada: 5560 S Fort Apache Road #110, Las Vegas, NV 89148


FHA Approved
qual Housing Lender
As a Fannie Mae Direct Seller and Ginnie Mae Approved lender,
we have greater flexibility for you as a borrowers.
Geneva Financial LLC is not just a lender. We are your lender/financing partner.
We are continually innovating to offer our partners the highest quality service,
the most competitive rates and the most efficient processes in the mortgage lending industry.

Equal Opportunity Lender

*Korene L. Clopine-Seaman is working with
and as the Branch Manager / Senior Mortgage Banker / Team Manager of the KLCSLoanTeam. 
She is licensed to originate mortgages in Arizona and California.

MLO 218520
AZ LO-0916745
CA: DBO-218520

NMLS consumer access:

Trade/service marks are the property of Geneva Financial LLC. Restrictions apply. All rights reserved. Some products may not be available in all states.  is not acting on behalf of or at the direction of HUD/FHA or the federal government.  This is not a commitment to lend. Restrictions apply.  All website Trade/service marks not related specifically to are the sole and separate property of KLCSLoanTeam and Korene L. Clopine-Seaman.    Korene L. Clopine-Seaman is employed by as a branch manager, senior mortgage originator and team manager.  NMLS ID 218520
Korene L. Clopine-Seaman  is not acting on behalf of or at the direction of HUD/FHA or the federal government.© 2013 . All KLCSLoanTeam © 2013 rights reserved. 

For questions or concerns please email

Geneva Financial LLC Attn: Korene Clopine-Seaman 15396 N 83rd Ave Bldg F Suite 101 Peoria, AZ 85381
Cell: Fax:

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