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SouthPoint Financial

At SouthPoint Financial our mission is to remove all barriers of home ownership. Answer all the questions and solve all the mysteries of home lending. Our industry knowledge coupled with our integrity will ensure our clients are provided the best affordable options.

SouthPoint Financial is a full service, Georgia based, mortgage lender which offers government backed loans and conventional loans.

We can help you buy your first home or refinance your existing home, vacation home, or investment property. We’ve also expanded to twelve states to better service clients around the country.
We are also one of the few local mortgage lenders that handle every step of the process with in-house processing, underwriting and document preparation.

A few of our loan options

Purchase

The majority of Americans still believe a 20% down payment is required to buy a home. This is simply not true

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Refinance

To refinance a mortgage means to replace an existing mortgage loan with a new one. With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.

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Conventional

A Conventional loan is a loan that is not backed by a federal agency, but instead backed by private lenders such as Fannie Mae or Freddie Mac.

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FHA Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration.

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VA Loan

VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

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Jumbo Loan

A jumbo loan is a loan that falls outside of the conforming loan limits.

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We are committed to America’s every day heroes.​

In addition to VA Home Loans, we carry multiple HERO mortgage products, including a 2% down payment assistance program for the following designations:

  • All First Responders: Police, Firefighters, EMT
  • Medical Professionals: Doctors, Nurses
  • Teachers
  • Active Duty and Veteran Military
  • Homes for Heroes Approved Lender

Frequently asked questions

There are several types of home mortgages, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and USDA loans. Each type has its own benefits and requirements, so it’s essential to understand which one suits your financial situation best.
Qualifying for a home mortgage typically involves meeting certain credit score requirements, having a stable income, and providing a down payment. Lenders will also look at your debt-to-income ratio and employment history to assess your eligibility.
The mortgage pre-approval process involves submitting an application to a lender, who will then review your financial information to determine how much they are willing to lend you. This process helps you understand your budget and shows sellers that you are a serious buyer.
The amount you need for a down payment can vary, but typically, you should aim for 20% of the home’s purchase price to avoid paying private mortgage insurance (PMI). However, some loan programs allow for lower down payments, sometimes as low as 3.5%.
Closing costs are fees associated with finalizing your mortgage, including appraisal fees, title insurance, and attorney fees. These costs usually range from 2% to 5% of the loan amount and are paid at the closing of the home purchase.

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Copyright © 2025 | All Rights Reserved  NMLS #42056 | BK #0910215 | An Equal Housing Lender

Geneva Financial, LLC. D/B/A SouthPoint Financial | 180 S. Arizona Ave Ste 310 Chandler, AZ 85225.
This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. SouthPoint Financial is not affiliated with any government agency.

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