Interest Rates
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Current Rates
30 Year Fixed
15 Year Fixed
Rates are based on Florida, other states may vary.

Contact Information

Genesis Lending Group
5785 Cape Harbour Drive, Suite 201
Cape Coral, FL 33914
Phone: (239)206-4872

Genesis Lending Group Loan Programs

The following is a partial list of programs offered by Genesis Lending Group with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 239-542-3416.

  • Conventional
  • No Down Payment
  • Credit Problems
  • 102% Purchase
  • DU Refi Plus / HARP 2 to Unlimited% LTV (Loan to Value) , Unlimited if you have a Second Mortgage
  • Jumbo Loans
  • Challenged Credit Loans
  • High Debt Ratio Loans
  • HomePath Financing Available to 97% on Purchases with No MI. 
  • Construction Loans
  • Investor Loans
  • FHA Loans
  • Flex 97%
  • VA Mortgages
  • FHA 203K

Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

No Down Payment
0% down payment required and closing costs paid by the borrower (seller can contribute up to 6% towards closing costs).

Credit Problems
Troubled credit? Bankruptcy? Been turned down somewhere else? We offer loan programs for customers with credit problems.

103% Purchase
0% down payment required and closing costs can be financed up to 103% of the purchase price. Only single-family homes that will be owner-occupied are eligible. First time homebuyer status not required and there are no income limits.

Jumbo Loans
Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.

Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

Challenged Credit Loans
These mortgages are for borrowers with less-than-perfect credit. They can vary from slightly damaged credit to severely damaged. Regardless of your situation, we have a mortgage that will get you back on track.

High Debt Ratio Loans
A ratio of monthly bills to monthly income higher than 50% is considered a high debt ratio. Loan programs are available for borrowers in this situation, allowing them to finance the purchase of a home or property.

Construction Loans
Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that is overly complicated and time consuming. With this loan, we will finance up to 90% of the cost of land plus the costs of construction. We offer a one-time fixed rate closing or traditional ARM products.

Investor Loans
Used to finance 1-4 family properties that will be for investment with as little as a 10% down payment. Aggressively priced, these programs have many variations, including: Full Doc. Program may not be available in some states.

FHA Mortgage
Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3% down payment – and they can even finance “allowable” closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

Flex 97%
Similar to FHA, but without maximum mortgage amount limitations. Must be a single family, owner occupied home and borrower must have a credit score of over 660.

VA Mortgages
Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.  102% FINANCING for VA's.

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