Home

Lower rates,
faster closings, and personal service
you’ll love

GenPoint is mortgage lending
done right.

Home loans fit for you,
powered by smarter tech.

Home loans fit for you,
powered by smarter tech.

At GenPoint, cutting-edge technology meets concierge-level care.

We’ve re-engineered mortgages to be faster, clearer, and totally transparent— all delivered by real people dedicated to getting you the lowest rate, every single time.

Say hello to a mortgage partner built for this generation—and the next.

Why GenPoint?

Lender- Independent, Borrower-First

You come first by getting the best deal we can find.

A Team of Mortgage Insiders

Decades of experience and a commitment to doing things differently.

No Gimmicks, No Hidden Fees

You’ll always know what you’re paying and why.

Lender- Independent, Borrower-First

You come first by getting the best deal we can find.

A Team of Mortgage Insiders

Decades of experience and a commitment to doing things differently.

No Gimmicks, No Hidden Fees

You’ll always know what you’re paying and why.

We Do It Differently

8-Day

Mortgages

Our average timeline is anything but.

99.9%

Lower Rates

Compared to major lenders.

Up to

101.5% LTV

Cover your home & closing costs with one loan.

A Mortgage Partner for Every Chapter

The right lender doesn’t just help you with one loan, but with every home, every move, and every investment.

First-Time Buyers

Get expert guidance and an easier loan process.

Learn More

Move-Up Buyers

Upgrade to your next home with better financing.

Learn More

Real Estate Investors

Flexible loans to grow your portfolio.

Learn More

Refinancing

Lower your payment, tap into equity, or restructure your loan.

Learn More

With GenPoint, you have access to nearly every type of mortgage available on the market.

Numbers You Can Trust

Stop guessing—start planning.
Use our calculator to estimate your loan options.

*Plus taxes and insurance

Real People. Real Results.

Our Process is Radically Different

Get a Custom
Rate

Tell us about your
goals, and we’ll find the
best loan.

Tell us about your
goals, and we’ll find the
best loan.

Work with an
Expert

No guesswork,
just clear guidance.

No guesswork,
just clear guidance.

Close with
Confidence

Secure the best
deal and move
forward with ease.

Secure the best
deal and move
forward with ease.

5-Star Reviews

Questions?
We Have Answers

What types of home mortgage loans are available?

Buying a home can feel daunting with so many options and complex terminology. Take some time to familiarize yourself with the different types of home loans so you can proceed with assurance. Our mortgage rates calculator will help you determine rates and loan options suited to your needs.

Fixed-Rate Loans: These loans feature an interest rate that remains constant throughout the loan term, ensuring that your mortgage payments for principal and interest are stable. Fixed-rate loans are typically available in terms of 10, 15, 20, 25, or 30 years.

Adjustable-Rate Mortgages (ARMs): ARMs come in various forms, with the most common having a fixed rate for an initial period (such as 5, 7, or 10 years), after which the rate adjusts annually based on market conditions.

FHA Loans: Backed by the Federal Housing Administration, FHA loans require a lower down payment, making them accessible for many buyers.

VA Loans: Designed to assist U.S. military veterans and, in some cases, their spouses, VA loans offer the advantage of no down payment and are guaranteed by the Department of Veterans Affairs.

Jumbo Loans: These loans exceed the limits set by the Federal Government for purchase or guarantee, with the maximum amount varying by county.

How much home can I afford?

To assess how much house you can afford, experts generally recommend that you spend no more than 28% of your gross monthly income on housing expenses and keep total debt, including housing, student loans, car payments, and credit cards, under 36% of your income.

Various home loans come with different terms and rates, with some requiring lower down payments than others. Use our straightforward mortgage loan amortization calculator to estimate your payments and help determine the maximum home price that fits your budget.

What is a first time homebuyer loan?

Generally, if you’ve never owned a home before, you are classified as a first-time homebuyer. Additionally, if you haven’t owned a primary residence in the past three years, you may still qualify as a first-time homebuyer. First-time buyers often benefit from significant financing options and flexibility, with down payments starting as low as 3%. FHA loans are especially popular among first-time buyers due to their low down payment requirement of 3.5%.

What is a pre-approval?

Pre-approval involves obtaining approval for a specific loan amount before you start searching for a home. The lender reviews your loan documents and commits to a certain loan amount. Having a strong pre-approval can give you an edge, especially if other buyers are interested in the same property.

It’s Time to Expect More from Your Lender

“Typical” doesn’t cut it anymore. Elevate your expectations with a lender that redefines lending.

Get Started Today
Go to Top