Geneva Financial - human powered mortgage.

When it comes to life’s biggest decisions, you deserve to have an experienced human by your side and available when it’s convenient for your hectic schedule.

At Geneva Financial, you work with ONE licensed Mortgage Loan Officer throughout your transaction. We are available to communicate with you nights, weekends, early mornings – whatever is most convenient for your life.

We believe technology is a valuable tool to execute an efficient and speedy mortgage process, but it takes a back seat to our top Core Value: Always strive to humanize both the customer and employee experience.

Rapid Rate Quote

(This is not a loan application – credit will not be impacted)

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


If you are looking to make a purchase or looking to refinance your home, request our FREE Homebuyer Guide Today!  This guide will help give you an idea of what to expect during your home buying/refinancing transaction as well as important keywords and phrases that we will use during your mortgage transaction.

  • Do’s and Don’t
  • Common Mortgage Terms
  • Moving Checklist
  • Document Checklist


Branch Manager | NMLS ID 1060530
Phone: 602-576-1929 

Shane Christopher serves as a Senior Mortgage Advisor with Geneva Financial. He started his career in the Real Estate Industry as a Mobile Notary closing loans for Lenders such as Chase, Wells Fargo, Quicken Loans, NorthStar, Flagstar and Peoples Mortgage—closing as many as 11 loans a day. That experience inspired Shane to pursue his current career as a Loan Officer, given his combined expertise in sales, service and the mortgage loan closing process.

Nominated for Loan Officer of the Year by ASREB in 2017 and a Mortgage Loan Officer since 2013, Shane holds more than 30 years of customer sales and service career experience. He is renowned—and respected—for a hometown attitude of service with a smile and treating clients like family. Shane notes: “Exceeding my clients’ expectations—both

Realtor Partners and Borrowers—gives me pure satisfaction for the work that went into the loan and knowing we got to the finish line. Setting up clear expectations for clients and coworkers is essential to making the process stress-free. The fulfillment of knowing he helped a borrower attain a part of the American Dream gives him all the satisfaction in the world.

A National Association of Mortgage Brokers (NAMB) member, Arizona Association of Mortgage Professionals (AzAMP) member, LGBTQ+ Real Estate Alliance member, and an Arizona affiliate with Homes for Heroes. Shane offers new home purchase, refinance, VA loans, jumbo loans, reverse mortgages, HELOC’s, cash-out equity refinance, renovation loans and more. Shane focuses special attention on America’s Heroes and Veterans as a Certified Veterans Lending Specialist (CVLS), Military Mortgage Specialist (MMS), offering discounts for Military, Police, Firefighters, EMT’s, Nurses, Teachers, and other Hero designations.

Shane also has these certifications to assist his clients: Certified Credit Specialist (CCS), Certified Residential Mortgage Specialist (CRMS).

Frequently asked questions

No!  That’s a common misconception that you need to have a house selected first.  We actually recommend for you to figure out how much you can purchase then select a home prior to home shopping.  

If you contact me I can help you get pre-qualified at no cost to you.  

No! We have many programs that can do less than 20%.  Some of our mortgage finance programs allow for 3% to 4% down payment.   If you would like to know your additional options, please contact us today!

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.


The primary benefit of a VA loan is Veterans with qualifying credit and income can purchase a home with no money down, making it an attractive option for those whohave served in the military.

VA loans also feature flexible requirements, no private mortgage insurance (PMI), and competitive mortgage rates.

NO. There are multiple national and state down payment assistance programs with credit score requirements as low as 620 and some income maximums nearing $90k

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Geneva Financial 2020 Homebuyers Guide
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