Photo ID
Consular ID, passport, or Nevada driver license. Whichever you have — Jesse works from what you bring.
Geneva Financial · NMLS# 42056 · Jesse Fonseca · NMLS# 393995
Pre-qualification. With real numbers.
Not a generic “pre-qualified” letter from a website in five minutes. A documented conversation with Jesse, based on your real paperwork, that tells you exactly what you qualify for and what you need to have liquid — in English or Spanish.
Track record · Las Vegas · since 2000
2000Both sides, sinceMortgage and real estate — same year, same desk.
3,000+Families · 5 cyclesSat down with since 2000 — consultations across both lines. Boom, 2008, COVID, 2022 spike — and whatever comes next.
DualReal estate + mortgageOne broker, both sides of the closing.
EN · ESTwo languages, one officeBoth, every day, no scripts.
FreeFirst conversationNo commitment, no follow-up unless you ask.
License: B.143790 · NMLS# 393995 · Geneva Financial NMLS# 42056
Two things called “pre-qualification”
There are two things that get called “pre-qualification” in this industry. One is theater; one is documented conversation. Knowing the difference is the first thing.
01The five-minute letter (theater)
The first kind is an automatic letter that a website sends you in five minutes, based on what you typed in without verifying anything. That letter doesn’t help with anything serious — sellers don’t respect it, and the number on it falls apart the moment a real lender reviews real documents. It exists to get you into a funnel, not to get you into a home.
02The documented conversation (the one we do)
The second — the one we do here — is a documented conversation with Jesse. You share your paperwork. Geneva Financial reviews your credit, income, debt-to-income ratio. Jesse tells you a specific number for your situation, what program fits (FHA, conventional, ITIN), and what you need to have liquid to start. When you reach an offer with that letter, sellers and agents respect it.
03The same conversation, every neighborhood
Jesse runs documented pre-qualifications for families across Clark County — Las Vegas, Henderson, North Las Vegas, Spring Valley, Summerlin, and Boulder City. The conversation works the same in every neighborhood; what changes is the price band and the program that fits.
What to gather · five categories
What you’ll need to have ready.
If you’re missing something, don’t worry — we start with what you have and tell you what to gather next. “Bring what you have — I’ve started with less.” — Jesse. The conversation is what matters, not the paperwork being perfect from minute one.
Two years of income proof
Federal returns, pay stubs, or business records if you’re self-employed. The point is to show stability, not perfection.
Recent bank statements
Two to three months. Shows the rhythm of money in and out — useful for both qualification and structuring the down payment.
ITIN, if applicable
If you’re an ITIN holder, your current ITIN. If yours is near expiration, flag it — renewal takes weeks and we want to start it early.
Two years of rental history
If you have it. On-time rental payments count as alternative credit history — they help especially when traditional credit is still being built.
How pre-qualification works
It happens in person, not in a form.
One call sets up the next conversation, whether you’re in Spring Valley, Henderson, Summerlin, or any corner of Clark County. No commitment, no automatic letter — just a real human reading your situation.
★★★★★
Thanks to Jesse Fonseca and his team for making my dream of buying my first home come true.
★★★★★
I feel very good about how you all helped me and treated me, this is my first home, thank you.
Pre-qualification is a conversation, not a form. It happens with Jesse — on the phone or across the desk at 400 S. Jones Blvd. — because the useful part is the reading, and a form cannot read anything.
Bring what you have. If a document is missing, that is itself information. Most families who arrive “not ready” are closer than they think, and most who arrive “ready” have one thing left to fix. You will know which you are before you leave.
Prefer to talk it through first? Talk to Jesse →
After the first call · three steps
What happens next.
- The call. You call, or we call you back, and Jesse sets up the next conversation — by phone or at the office.
- The documented conversation. We go over your documents together — by phone or at the office, whichever you prefer. Geneva reviews credit and income. Jesse tells you the specific numbers for your situation.
- A real pre-qualification letter. If you decide to keep going, you receive the letter that sellers do respect when you reach an offer. If you decide to wait, you keep the information with no commitment.