617-821-1757
Looking For FHA Loans?
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.
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
New Blog Post
Looking for a Mortgage in Massachusetts and Nationwide? Trust Loanswithgeo.com — Powered by South Wind Financial
When it comes to home financing and real estate investment, Loanswithgeo.com, powered by South Wind Financial, is your go-to resource for expert mortgage solutions across Massachusetts and multiple states nationwide. Whether you’re a first-time homebuyer, an experienced real estate investor, or looking to refinance, our team led by Geovanne Colon combines mortgage lending expertise with real estate insight — delivering a comprehensive, seamless experience designed to meet your unique financial goals.
Why Choose Loanswithgeo.com for Your Mortgage Needs?
Top-Rated Mortgage Broker in Boston & Beyond
We are proud to be voted among the Top 10 Mortgage Brokers in Boston by TrustAnalytica.org. Our reputation is built on decades of combined experience, industry knowledge, and a client-first approach. Geo is not only a licensed mortgage loan officer (NMLS #1880655) but also a licensed real estate agent, meaning you get expert guidance on financing and property acquisition, all in one trusted advisor.
Licensed Across Multiple States — Local Expertise, National Reach
Our mortgage services aren’t limited to Massachusetts alone. We’re licensed and actively assisting clients in:
Massachusetts (Greater Boston, MetroWest, Cape Cod, Springfield, Worcester, North Shore, South Shore, and all surrounding towns)
Rhode Island
New Hampshire
Connecticut
Florida
Texas
California
Arizona
Nevada
Iowa
Tennessee
No matter where you live or invest, our network and technology allow us to deliver the same personal, expert service remotely or in-person.
Mortgage Programs for Every Buyer and Investor
We understand that every borrower’s needs are different. Whether you are a first-time homebuyer in Boston’s Back Bay, an investor looking for fast capital in Texas, or a veteran seeking a VA loan in Florida, Loanswithgeo.com offers tailored mortgage programs to fit your lifestyle:
Conventional Loans
Competitive rates and flexible terms
Ideal for buyers with good credit and steady income
Options for fixed-rate and adjustable-rate mortgages (ARMs)
FHA Loans
Lower credit score and down payment requirements
Perfect for first-time buyers or those rebuilding credit
Backed by the Federal Housing Administration
VA Loans
No down payment for eligible veterans and active military personnel
No private mortgage insurance (PMI) required
Competitive interest rates and flexible credit guidelines
USDA Loans
100% financing for qualifying rural and suburban homes
Backed by the U.S. Department of Agriculture
Income limits and location requirements apply
First-Time Homebuyer Assistance
Down payment and closing cost assistance programs
Homebuyer education and step-by-step support
Special offers available in Massachusetts and other states
Renovation Loans
203k FHA Renovation Loans: Finance the purchase and rehabilitation of a fixer-upper with a single loan
Fannie Mae HomeStyle® Loans: Upgrade your existing or new home affordably
Investment Property Loans
Fix & Flip Loans: Fast funding for investors seeking quick renovation turnaround
Hard Money Loans: Flexible terms for unique or time-sensitive deals
New Construction Loans: Finance the building of your dream home or investment property from the ground up
How Our Dual-Licensed Expertise Benefits You
One of the biggest advantages of working with Loanswithgeo.com is Geo’s unique dual-license status:
As a Mortgage Loan Officer, Geo helps you secure the best loan product with transparent rates and fast approvals.
As a Licensed Real Estate Agent, Geo understands market trends, pricing strategies, and negotiation tactics to help you get the best deal on your home or investment.
This holistic knowledge means you avoid surprises, save time, and close on your dream property with confidence.
The Loan Process Made Simple & Secure
We leverage cutting-edge technology to provide fast, secure, and convenient mortgage experiences:
Book Your Free Consultation — Talk with Geo about your goals, questions, and timeline.
Get Pre-Approved in 24 Hours or Less — We review your documents quickly to provide a clear pre-approval letter.
Compare Loan Programs & Lock Your Rate — We help you understand options and choose the best mortgage for your needs.
Upload Documents Securely via Our App — No more paper chasing; submit financial docs anytime, anywhere.
Close Smoothly — In-Person or Remotely — Mobile notary and remote e-sign options available for your convenience.
Proudly Serving Massachusetts’ Diverse Communities
We are deeply rooted in Massachusetts, serving clients from Boston’s historic Back Bay and South End neighborhoods to suburban communities in MetroWest, the scenic North Shore, and coastal Cape Cod. Our knowledge of local lenders, county regulations, and housing market trends sets us apart. Whether you’re buying in Springfield, refinancing in Worcester, or investing in Lowell or Lawrence, Loanswithgeo.com has you covered.
Hear From Our Satisfied Clients
“Geo made the 203k renovation loan process straightforward and painless. I closed quickly on my Worcester fixer-upper and am now flipping for profit.”
— Jenna M., Worcester, MA
“As a first-time homebuyer in Cambridge, I was nervous but Geo answered all my questions and helped me close in just 3 weeks!”
— Andrew S., Cambridge, MA
“Needed a quick fix & flip loan in Dallas and Geo delivered with lightning-fast funding and clear communication.”
— Luis R., Dallas, TX
Frequently Asked Questions (FAQs)
Q: Can I qualify for a mortgage if I’m self-employed or have 1099 income?
A: Absolutely! We specialize in mortgage solutions for self-employed borrowers, gig workers, and business owners, using bank statements and alternative documentation to help you qualify.
Q: What are the benefits of working with a mortgage loan officer who is also a licensed real estate agent?
A: You get strategic insights on both your loan and the property purchase process, enabling smarter offers, faster approvals, and better overall results.
Q: Can I work with you if I live outside Massachusetts?
A: Yes! We’re licensed in multiple states and can work with you remotely to handle everything from pre-approval to closing.
Connect With South Wind Financial Today!
Your homeownership journey or real estate investment starts here. Reach out now for personalized guidance from a mortgage and real estate professional who cares about your success.
Website: www.loanswithgeo.com
Call or Text: 617-821-1757
Email: [email protected]
Social: Follow us on Instagram, Facebook, and LinkedIn @loanswithgeo
NMLS ID: 1880655 | Company NMLS: MB9462
Your Mortgage. Your Agent. Your Future. Let’s Build It Together.
At Loanswithgeo.com, powered by South Wind Financial, we believe that financing your dream home or investment property should be easy, transparent, and tailored to you. Contact us today to get started on your mortgage journey with a trusted advisor who knows your market and your goals.
New Blog Post
Looking for a Mortgage in Massachusetts and Nationwide? Trust Loanswithgeo.com — Powered by South Wind Financial
When it comes to home financing and real estate investment, Loanswithgeo.com, powered by South Wind Financial, is your go-to resource for expert mortgage solutions across Massachusetts and multiple states nationwide. Whether you’re a first-time homebuyer, an experienced real estate investor, or looking to refinance, our team led by Geovanne Colon combines mortgage lending expertise with real estate insight — delivering a comprehensive, seamless experience designed to meet your unique financial goals.
Why Choose Loanswithgeo.com for Your Mortgage Needs?
Top-Rated Mortgage Broker in Boston & Beyond
We are proud to be voted among the Top 10 Mortgage Brokers in Boston by TrustAnalytica.org. Our reputation is built on decades of combined experience, industry knowledge, and a client-first approach. Geo is not only a licensed mortgage loan officer (NMLS #1880655) but also a licensed real estate agent, meaning you get expert guidance on financing and property acquisition, all in one trusted advisor.
Licensed Across Multiple States — Local Expertise, National Reach
Our mortgage services aren’t limited to Massachusetts alone. We’re licensed and actively assisting clients in:
Massachusetts (Greater Boston, MetroWest, Cape Cod, Springfield, Worcester, North Shore, South Shore, and all surrounding towns)
Rhode Island
New Hampshire
Connecticut
Florida
Texas
California
Arizona
Nevada
Iowa
Tennessee
No matter where you live or invest, our network and technology allow us to deliver the same personal, expert service remotely or in-person.
Mortgage Programs for Every Buyer and Investor
We understand that every borrower’s needs are different. Whether you are a first-time homebuyer in Boston’s Back Bay, an investor looking for fast capital in Texas, or a veteran seeking a VA loan in Florida, Loanswithgeo.com offers tailored mortgage programs to fit your lifestyle:
Conventional Loans
Competitive rates and flexible terms
Ideal for buyers with good credit and steady income
Options for fixed-rate and adjustable-rate mortgages (ARMs)
FHA Loans
Lower credit score and down payment requirements
Perfect for first-time buyers or those rebuilding credit
Backed by the Federal Housing Administration
VA Loans
No down payment for eligible veterans and active military personnel
No private mortgage insurance (PMI) required
Competitive interest rates and flexible credit guidelines
USDA Loans
100% financing for qualifying rural and suburban homes
Backed by the U.S. Department of Agriculture
Income limits and location requirements apply
First-Time Homebuyer Assistance
Down payment and closing cost assistance programs
Homebuyer education and step-by-step support
Special offers available in Massachusetts and other states
Renovation Loans
203k FHA Renovation Loans: Finance the purchase and rehabilitation of a fixer-upper with a single loan
Fannie Mae HomeStyle® Loans: Upgrade your existing or new home affordably
Investment Property Loans
Fix & Flip Loans: Fast funding for investors seeking quick renovation turnaround
Hard Money Loans: Flexible terms for unique or time-sensitive deals
New Construction Loans: Finance the building of your dream home or investment property from the ground up
How Our Dual-Licensed Expertise Benefits You
One of the biggest advantages of working with Loanswithgeo.com is Geo’s unique dual-license status:
As a Mortgage Loan Officer, Geo helps you secure the best loan product with transparent rates and fast approvals.
As a Licensed Real Estate Agent, Geo understands market trends, pricing strategies, and negotiation tactics to help you get the best deal on your home or investment.
This holistic knowledge means you avoid surprises, save time, and close on your dream property with confidence.
The Loan Process Made Simple & Secure
We leverage cutting-edge technology to provide fast, secure, and convenient mortgage experiences:
Book Your Free Consultation — Talk with Geo about your goals, questions, and timeline.
Get Pre-Approved in 24 Hours or Less — We review your documents quickly to provide a clear pre-approval letter.
Compare Loan Programs & Lock Your Rate — We help you understand options and choose the best mortgage for your needs.
Upload Documents Securely via Our App — No more paper chasing; submit financial docs anytime, anywhere.
Close Smoothly — In-Person or Remotely — Mobile notary and remote e-sign options available for your convenience.
Proudly Serving Massachusetts’ Diverse Communities
We are deeply rooted in Massachusetts, serving clients from Boston’s historic Back Bay and South End neighborhoods to suburban communities in MetroWest, the scenic North Shore, and coastal Cape Cod. Our knowledge of local lenders, county regulations, and housing market trends sets us apart. Whether you’re buying in Springfield, refinancing in Worcester, or investing in Lowell or Lawrence, Loanswithgeo.com has you covered.
Hear From Our Satisfied Clients
“Geo made the 203k renovation loan process straightforward and painless. I closed quickly on my Worcester fixer-upper and am now flipping for profit.”
— Jenna M., Worcester, MA
“As a first-time homebuyer in Cambridge, I was nervous but Geo answered all my questions and helped me close in just 3 weeks!”
— Andrew S., Cambridge, MA
“Needed a quick fix & flip loan in Dallas and Geo delivered with lightning-fast funding and clear communication.”
— Luis R., Dallas, TX
Frequently Asked Questions (FAQs)
Q: Can I qualify for a mortgage if I’m self-employed or have 1099 income?
A: Absolutely! We specialize in mortgage solutions for self-employed borrowers, gig workers, and business owners, using bank statements and alternative documentation to help you qualify.
Q: What are the benefits of working with a mortgage loan officer who is also a licensed real estate agent?
A: You get strategic insights on both your loan and the property purchase process, enabling smarter offers, faster approvals, and better overall results.
Q: Can I work with you if I live outside Massachusetts?
A: Yes! We’re licensed in multiple states and can work with you remotely to handle everything from pre-approval to closing.
Connect With South Wind Financial Today!
Your homeownership journey or real estate investment starts here. Reach out now for personalized guidance from a mortgage and real estate professional who cares about your success.
Website: www.loanswithgeo.com
Call or Text: 617-821-1757
Email: [email protected]
Social: Follow us on Instagram, Facebook, and LinkedIn @loanswithgeo
NMLS ID: 1880655 | Company NMLS: MB9462
Your Mortgage. Your Agent. Your Future. Let’s Build It Together.
At Loanswithgeo.com, powered by South Wind Financial, we believe that financing your dream home or investment property should be easy, transparent, and tailored to you. Contact us today to get started on your mortgage journey with a trusted advisor who knows your market and your goals.
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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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