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that’s right for you.
Unlock Low Rates with Ease
Discover how Geovanne Colon simplifies the mortgage qualification process for you.
Apply today for the mortgage
that’s right for you.
Unlock Low Rates with Ease
Discover how Geovanne Colon simplifies the mortgage qualification process for you.
Low Rate.
Zero Hassles.
Get a free quote
Low Rate.
Zero Hassles.
Get a free quote
Feel Overwhelmed by Mortgage Choices? I Understand.
Feeling Lost in a Sea of Mortgage Options? Finding the right mortgage can be a daunting task. With an overwhelming array of rates, terms, and lenders, it's easy to feel lost and uncertain. Are you worried about high interest rates, hidden fees, or choosing a mortgage that doesn't fit your long-term goals?
Welcome to Your Gateway to Home Ownership
Embark on a seamless journey towards your dream home with Geovanne Colon, your trusted ally in mortgage solutions. With years of expertise and a commitment to securing the lowest rates, my mission is to transform the complex landscape of home financing into a simplified, transparent path leading straight to the keys of your new home.
Why Choose Us?
Ready to Start?
Your perfect home won't wait forever, and neither should you. Begin your journey today with a loan officer that puts you first. By choosing us, you're not just getting a loan – you're gaining a lifelong partner in all your mortgage endeavors.
Start your no-obligation consultation now and join the myriad of satisfied homeowners who have unlocked the doors to their future with ease and confidence. Dive into our world of simplified lending, and let's turn your homeownership dreams into reality.
Welcome Home!
Loan Programs We Help With
Seamless Solutions, Limitless Possibilities
Residential Mortgage Programs
1. FHA Loans
Federal Housing Administration (FHA) Loans
• Suitable for first-time homebuyers
• Low down payment options (as low as 3.5%)
• Requires mortgage insurance
• Lenient credit scores accepted
• 203K Renovation Loans Available
2. Conventional Loans
Conventional Mortgage Loans
• Preferred by borrowers with stronger credit
• Down payments as low as 3%
• Available in fixed or adjustable rates
• No government insurance premiums
• HomeStyle Renovation Loan Available
3. USDA Loans
US Department of Agriculture (USDA) Loans
• Ideal for eligible rural and suburban homebuyers
• Zero down payment
• Low insurance costs
• Income and geographic restrictions apply
4. VA Loans
Veterans Affairs (VA) Mortgage Loans
• Exclusively for veterans, active-duty service members, and eligible spouses
• No down payment required
• No mortgage insurance needed
• Competitive interest rates
A. ITIN - No Social Security Loans
• For borrowers with an Individual Tax Identification Number
• Lacks Social Security number
B. 1099 Loans
• Designed for independent contractors or self-employed individuals
• Based on the 1099 tax form income
C. VOE Only
• Verification of employment as the primary source of income validation
D. Asset Depletion
• Utilizes borrower's liquid assets for qualification purposes
E. Bank Statement Loans
• Income based on bank statements, suitable for self-employed borrowers
F. DSCR - Investor No Income Verification
• For real estate investors, using property cash flow as a qualification metric
Non-Qualified Mortgage (Non-QM) Loans
Loan Programs We Help With
Seamless Solutions, Limitless Possibilities
Residential Mortgage Programs
1. FHA Loans
Federal Housing Administration (FHA) Loans
• Suitable for first-time homebuyers
• Low down payment options (as low as 3.5%)
• Requires mortgage insurance
• Lenient credit scores accepted
2. Conventional Loans
Conventional Mortgage Loans
• Preferred by borrowers with stronger credit
• Down payments as low as 3%
• Available in fixed or adjustable rates
• No government insurance premiums
3. USDA Loans
US Department of Agriculture (USDA) Loans
• Ideal for eligible rural and suburban homebuyers
• Zero down payment
• Low insurance costs
• Income and geographic restrictions apply
4. VA Loans
Veterans Affairs (VA) Loans
• Exclusively for veterans, active-duty service members, and eligible spouses
• No down payment required
• No mortgage insurance needed
• Competitive interest rates
Non-Qualified Mortgage (Non-QM) Loans
A. ITIN - No Social Security Loans
• For borrowers with an Individual Tax Identification Number
• Lacks Social Security number
B. 1099 Loans
• Designed for independent contractors or self-employed individuals
• Based on the 1099 tax form income
C. VOE Only
• Verification of employment as the primary source of income validation
D. Asset Depletion
• Utilizes borrower's liquid assets for qualification purposes
E. Bank Statement Loans
• Income based on bank statements, suitable for self-employed borrowers
F. DSCR - Investor No Income Verification
• For real estate investors, using property cash flow as a qualification metric
More Loan Programs
Foreign National Loans
• Tailored for non-U.S. citizens looking to buy investment or vacation properties in the U.S.
• May require larger down payments and proof of foreign income.
Jumbo Loans
• Exceed the loan limits set by the FHFA for conventional mortgages.
• Requires non-traditional underwriting to accommodate the larger loan amount.
Real Estate Investor Loans
• Customized loans for experienced real estate investors.
• Can include options for multiple properties under a single loan (blanket loans).
Non-Warrantable Condo Loans
• For condos that do not meet specific requirements by Fannie Mae or Freddie Mac.
• Necessary for financing condos in buildings with more owner-occupied spaces or litigation issues.
Credit Event Loans
• Available to borrowers with significant derogatory credit events, such as bankruptcy or foreclosure.
• Typically requires a higher down payment or additional reserves.
Hard Money/Private Lending
•For immediate or short-term financing needs
• Higher-cost, short-term loans
• Asset-based lending criteria
• Terms typically around 12 months
Fix and Flips
• Loans crafted for renovating and flipping properties
Commercial Loans
•Tailored for businesses to purchase or refinance commercial property
• Offering solutions for office buildings, retail spaces, and industrial properties
• Custom terms to align with business strategies
New Construction
• Financing for ground-up construction projects
Small Business Administration (SBA) Loans
• Federally backed to help start or grow a business
• Lower down payments
• Longer repayment terms
• Focused on small businesses
Bridge Loans
• Short-term loans to bridge the gap during transitional periods
Down Payment Assistance Programs
• Provides prospective homebuyers with loans or grants that they can use toward the down payment for a house.
• Most down payment assistance programs are designed for first-time homebuyers and offered by various institutions, such as government, non-profits, or lenders.
More Loan Programs
Foreign National Loans
• Tailored for non-U.S. citizens looking to buy investment or vacation properties in the U.S.
• May require larger down payments and proof of foreign income.
Jumbo Loans
• Exceed the loan limits set by the FHFA for conventional mortgages.
• Requires non-traditional underwriting to accommodate the larger loan amount.
Real Estate Investor Loans
• Customized loans for experienced real estate investors.
• Can include options for multiple properties under a single loan (blanket loans).
Non-Warrantable Condo Loans
• For condos that do not meet specific requirements by Fannie Mae or Freddie Mac.
• Necessary for financing condos in buildings with more owner-occupied spaces or litigation issues.
Credit Event Loans
• Available to borrowers with significant derogatory credit events, such as bankruptcy or foreclosure.
• Typically requires a higher down payment or additional reserves.
Hard Money/Private Lending
•For immediate or short-term financing needs
• Higher-cost, short-term loans
• Asset-based lending criteria
• Terms typically around 12 months
Fix and Flips
• Loans crafted for renovating and flipping properties
Commercial Loans
•Tailored for businesses to purchase or refinance commercial property
• Offering solutions for office buildings, retail spaces, and industrial properties
• Custom terms to align with business strategies
New Construction
• Financing for ground-up construction projects
Small Business Administration (SBA) Loans
• Federally backed to help start or grow a business
• Lower down payments
• Longer repayment terms
• Focused on small businesses
Bridge Loans
• Short-term loans to bridge the gap during transitional periods
Down Payment Assistance Programs
• Provides prospective homebuyers with loans or grants that they can use toward the down payment for a house.
• Most down payment assistance programs are designed for first-time homebuyers and offered by various institutions, such as government, non-profits, or lenders.
Who We Help?
Seamless Solutions, Limitless Possibilities
First Time Home Buyers
We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!
Move Up and Second Home Buyers
Buying a new home when you currently own one has it's own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.
Refinancing Home Owners
If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take some cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best deal possible.
Investment Buyers
If you're buying real estate for investment purposes, we can help you secure low rate financing to maximize your ROI.
Seniors Seeking Reverse Mortgages
If you are 62 years or older and are looking for options to stay in your home without a mortgage payment or to access your home's equity while still living there, I can answer your questions about reverse mortgages so you can decide if they are right for you.
What My Clients Say
Ready to Find Your Perfect Mortgage?
Are You A First Time Home Buyer?
Download Our Free Home Buyer's Guide
Other Resources You'll Find Helpful
Buyer's Guide for Real Estate Agent
(English)
Buyer's Guide for Real Estate Agent
(Spanish)
Seller's Guide for Real Estate Agent
(English)
Seller's Guide for Real Estate Agent
(Spanish)
Calculate Your Mortgage Payment
Our Blogs
Your Trusted Mortgage Lending Partner in Boston, MA
Your Trusted Mortgage Lending Partner in Boston, MA
Purchasing a home in Boston, Massachusetts is more than just a financial transaction—it’s a life-changing decision. Whether you’re drawn to the historic brownstones of Back Bay, the vibrant energy of the Seaport District, or the family-friendly streets of West Roxbury, Boston offers a diverse range of neighborhoods to fit every lifestyle. Navigating the local real estate market can be challenging, but with the right mortgage partner, your journey becomes smooth, strategic, and rewarding.
At South Wind Financial, we specialize in providing personalized mortgage solutions tailored to your needs. With years of experience and deep knowledge of Boston’s neighborhoods, we help homebuyers, refinancers, and investors achieve their financial and real estate goals.
Why Choosing the Right Mortgage Partner Matters
A mortgage is one of the most significant financial commitments you’ll make in your life. Selecting a trusted partner in Boston, MA ensures you have the right guidance, access to competitive rates, and a smooth approval process.
At South Wind Financial, we go beyond simply offering loans. We focus on understanding your unique situation, from credit history to long-term financial goals. This approach allows us to recommend the best solutions for both first-time buyers and seasoned investors in Boston’s diverse real estate market.
Boston neighborhoods each come with distinct characteristics. For example:
Back Bay – Known for luxury condos, upscale shopping, and historic architecture
South End – Boasts a mix of modern apartments and charming brownstones
Seaport District – Waterfront living with vibrant nightlife and modern developments
Dorchester – Offers family-friendly housing and accessible transportation options
Jamaica Plain – Green spaces and a tight-knit community atmosphere
Understanding these nuances helps you secure the right mortgage for the right property.
Comprehensive Mortgage Solutions for Every Buyer
At South Wind Financial, we provide a wide variety of mortgage options to meet every homebuyer’s needs. Each product is designed to fit your financial goals, credit profile, and the type of property you’re looking to finance.
Conventional Loans
Conventional loans are ideal for buyers with strong credit who want flexible terms and competitive interest rates. They are commonly used for both primary residences and investment properties in Boston.
FHA Loans
For first-time homebuyers in Massachusetts, FHA loans are a popular option. They require lower down payments and offer more flexible credit requirements, making them accessible for buyers entering the market.
VA Loans
Veterans and active-duty military personnel can benefit from VA loans in Boston, which provide zero-down financing and favorable terms, making homeownership more attainable.
USDA Loans
For buyers considering properties outside the city center, USDA loans in Massachusetts offer financing solutions with little to no down payment, perfect for rural or suburban homes.
Jumbo and Renovation Loans
High-value properties or homes needing upgrades may require jumbo loans or renovation mortgages. These solutions allow you to finance both the purchase price and improvements under one loan, simplifying the process.
Specialized Loan Programs
Our team also helps clients navigate first-time buyer programs, down payment assistance, and other state-specific financing options in Massachusetts, ensuring you get the most benefit from local programs.
Refinancing Your Massachusetts Home
Refinancing your existing mortgage can help you:
Lower your monthly payments
Access equity for home improvements
Shorten your loan term for faster payoff
At South Wind Financial, we offer expert guidance on:
Cash-out refinancing – Use your home’s equity for renovations, investments, or debt consolidation
Rate-and-term refinance – Secure a lower interest rate or better loan terms
Term adjustments – Modify your mortgage duration to align with your financial goals
Refinancing with a local Boston mortgage partner ensures your decisions are informed by current market trends and neighborhood-specific property values.
Navigating Boston’s Real Estate Neighborhoods
Boston’s neighborhoods are unique, and understanding their distinct characteristics can impact your mortgage and homebuying strategy.
Back Bay – Luxury condos, historic charm, premium property values
South End – A mix of modern apartments, brownstones, and trendy restaurants
Seaport District – Waterfront properties, new developments, bustling nightlife
Charlestown – Historic homes, family-friendly areas, proximity to downtown
Jamaica Plain – Green spaces, strong community, eclectic housing
Dorchester – Diverse community, affordable options, accessible transit
Fenway-Kenmore – Student-friendly, close to universities and medical centers
A local mortgage partner like South Wind Financial uses this insight to tailor financing solutions to the right neighborhood for you.
Guidance for First-Time Homebuyers
Buying your first home can feel overwhelming. Here’s how South Wind Financial helps first-time buyers navigate the process:
1. Mortgage Pre-Approval – Know your budget and strengthen your offers
2. Down Payment Assistance – Learn about programs in Massachusetts that reduce upfront costs
3. Neighborhood Selection – Match your lifestyle with the perfect Boston area
4. Credit Preparation – Improve your financial profile to secure better rates
5. Ongoing Support – Receive expert advice throughout every step of the process
This guidance ensures that first-time buyers feel confident and prepared while navigating the Boston real estate market.
Why Clients Choose South Wind Financial
Our clients rely on us because we combine experience, integrity, and personalized service. When you work with South Wind Financial, you benefit from:
Decades of experience in Massachusetts mortgage lending
Tailored financing solutions for every buyer
Expert knowledge of Boston neighborhoods
Smooth and transparent mortgage process
Access to specialized programs like FHA, VA, USDA, and renovation loans
From luxury condos in the Seaport to historic brownstones in Back Bay, our commitment to client success is unmatched.
Tips for Maximizing Your Mortgage Options
To get the most out of your mortgage experience in Boston:
Compare loan rates and terms carefully
Understand all closing costs and fees
Consider local property taxes and neighborhood amenities
Evaluate both short-term affordability and long-term investment potential
Work with a mortgage partner who knows Boston inside and out
With South Wind Financial, you gain a partner who not only helps you secure a mortgage but also ensures your investment aligns with your lifestyle and financial future.
Start Your Home Financing Journey Today
Your dream home in Boston, MA is within reach. With South Wind Financial as your mortgage partner, you’ll have expert guidance, personalized service, and access to a variety of loan programs designed to meet your needs.
Visit Loanswithgeo.com to connect with our licensed mortgage professionals. We are fully licensed through NMLS, ensuring compliance and trusted service throughout your mortgage journey.
Call 617-821-1757 or email us today at [email protected] to schedule a consultation. Whether you’re buying your first home, upgrading to a new property, or refinancing an existing loan, South Wind Financial is here to help you every step of the way.
Your Trusted Mortgage Lending Partner in Boston, MA
Your Trusted Mortgage Lending Partner in Boston, MA
Purchasing a home in Boston, Massachusetts is more than just a financial transaction—it’s a life-changing decision. Whether you’re drawn to the historic brownstones of Back Bay, the vibrant energy of the Seaport District, or the family-friendly streets of West Roxbury, Boston offers a diverse range of neighborhoods to fit every lifestyle. Navigating the local real estate market can be challenging, but with the right mortgage partner, your journey becomes smooth, strategic, and rewarding.
At South Wind Financial, we specialize in providing personalized mortgage solutions tailored to your needs. With years of experience and deep knowledge of Boston’s neighborhoods, we help homebuyers, refinancers, and investors achieve their financial and real estate goals.
Why Choosing the Right Mortgage Partner Matters
A mortgage is one of the most significant financial commitments you’ll make in your life. Selecting a trusted partner in Boston, MA ensures you have the right guidance, access to competitive rates, and a smooth approval process.
At South Wind Financial, we go beyond simply offering loans. We focus on understanding your unique situation, from credit history to long-term financial goals. This approach allows us to recommend the best solutions for both first-time buyers and seasoned investors in Boston’s diverse real estate market.
Boston neighborhoods each come with distinct characteristics. For example:
Back Bay – Known for luxury condos, upscale shopping, and historic architecture
South End – Boasts a mix of modern apartments and charming brownstones
Seaport District – Waterfront living with vibrant nightlife and modern developments
Dorchester – Offers family-friendly housing and accessible transportation options
Jamaica Plain – Green spaces and a tight-knit community atmosphere
Understanding these nuances helps you secure the right mortgage for the right property.
Comprehensive Mortgage Solutions for Every Buyer
At South Wind Financial, we provide a wide variety of mortgage options to meet every homebuyer’s needs. Each product is designed to fit your financial goals, credit profile, and the type of property you’re looking to finance.
Conventional Loans
Conventional loans are ideal for buyers with strong credit who want flexible terms and competitive interest rates. They are commonly used for both primary residences and investment properties in Boston.
FHA Loans
For first-time homebuyers in Massachusetts, FHA loans are a popular option. They require lower down payments and offer more flexible credit requirements, making them accessible for buyers entering the market.
VA Loans
Veterans and active-duty military personnel can benefit from VA loans in Boston, which provide zero-down financing and favorable terms, making homeownership more attainable.
USDA Loans
For buyers considering properties outside the city center, USDA loans in Massachusetts offer financing solutions with little to no down payment, perfect for rural or suburban homes.
Jumbo and Renovation Loans
High-value properties or homes needing upgrades may require jumbo loans or renovation mortgages. These solutions allow you to finance both the purchase price and improvements under one loan, simplifying the process.
Specialized Loan Programs
Our team also helps clients navigate first-time buyer programs, down payment assistance, and other state-specific financing options in Massachusetts, ensuring you get the most benefit from local programs.
Refinancing Your Massachusetts Home
Refinancing your existing mortgage can help you:
Lower your monthly payments
Access equity for home improvements
Shorten your loan term for faster payoff
At South Wind Financial, we offer expert guidance on:
Cash-out refinancing – Use your home’s equity for renovations, investments, or debt consolidation
Rate-and-term refinance – Secure a lower interest rate or better loan terms
Term adjustments – Modify your mortgage duration to align with your financial goals
Refinancing with a local Boston mortgage partner ensures your decisions are informed by current market trends and neighborhood-specific property values.
Navigating Boston’s Real Estate Neighborhoods
Boston’s neighborhoods are unique, and understanding their distinct characteristics can impact your mortgage and homebuying strategy.
Back Bay – Luxury condos, historic charm, premium property values
South End – A mix of modern apartments, brownstones, and trendy restaurants
Seaport District – Waterfront properties, new developments, bustling nightlife
Charlestown – Historic homes, family-friendly areas, proximity to downtown
Jamaica Plain – Green spaces, strong community, eclectic housing
Dorchester – Diverse community, affordable options, accessible transit
Fenway-Kenmore – Student-friendly, close to universities and medical centers
A local mortgage partner like South Wind Financial uses this insight to tailor financing solutions to the right neighborhood for you.
Guidance for First-Time Homebuyers
Buying your first home can feel overwhelming. Here’s how South Wind Financial helps first-time buyers navigate the process:
1. Mortgage Pre-Approval – Know your budget and strengthen your offers
2. Down Payment Assistance – Learn about programs in Massachusetts that reduce upfront costs
3. Neighborhood Selection – Match your lifestyle with the perfect Boston area
4. Credit Preparation – Improve your financial profile to secure better rates
5. Ongoing Support – Receive expert advice throughout every step of the process
This guidance ensures that first-time buyers feel confident and prepared while navigating the Boston real estate market.
Why Clients Choose South Wind Financial
Our clients rely on us because we combine experience, integrity, and personalized service. When you work with South Wind Financial, you benefit from:
Decades of experience in Massachusetts mortgage lending
Tailored financing solutions for every buyer
Expert knowledge of Boston neighborhoods
Smooth and transparent mortgage process
Access to specialized programs like FHA, VA, USDA, and renovation loans
From luxury condos in the Seaport to historic brownstones in Back Bay, our commitment to client success is unmatched.
Tips for Maximizing Your Mortgage Options
To get the most out of your mortgage experience in Boston:
Compare loan rates and terms carefully
Understand all closing costs and fees
Consider local property taxes and neighborhood amenities
Evaluate both short-term affordability and long-term investment potential
Work with a mortgage partner who knows Boston inside and out
With South Wind Financial, you gain a partner who not only helps you secure a mortgage but also ensures your investment aligns with your lifestyle and financial future.
Start Your Home Financing Journey Today
Your dream home in Boston, MA is within reach. With South Wind Financial as your mortgage partner, you’ll have expert guidance, personalized service, and access to a variety of loan programs designed to meet your needs.
Visit Loanswithgeo.com to connect with our licensed mortgage professionals. We are fully licensed through NMLS, ensuring compliance and trusted service throughout your mortgage journey.
Call 617-821-1757 or email us today at [email protected] to schedule a consultation. Whether you’re buying your first home, upgrading to a new property, or refinancing an existing loan, South Wind Financial is here to help you every step of the way.
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South Wind Financial, Inc.
Mortgage Broker Lic #MB9462
Branch NMLS #86116
1356 Atwood Ave. Johnston, RI 02919
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