FAQ
Straight answers
Do you lend where I live?
If the home is in Massachusetts, Texas, Florida, California, or Pennsylvania, we can take it from here. Apply, check rates, or call (978) 705-1003.
Will I get passed around?
No. You apply with us directly. A named licensed advisor is on your file from application through closing — not a branch handoff, and not a nameless queue.
Can I close from home?
When the state, title company, and investor allow it, we offer full or hybrid eClosing — you sign from home. If your file needs a traditional table, your advisor will say so early. Nothing here is a guarantee of an eClosing.
How do I apply?
Apply online, call (978) 705-1003, or pick a licensed advisor and apply with them. You'll work with a named advisor. The contact form on this website is not a mortgage application.
Is GenNext.Mortgage a bank?
No. GenNext.Mortgage® is a DBA of GenerationNext Equity Management Company, LLC (NMLS 2326098). It is not a bank, savings association, or credit union.
Do you originate investment or commercial loans?
Yes on 1–4 unit investment and rental homes — conventional investor, DSCR, jumbo, and Non-QM, where the property and investor fit. Five-plus unit and mixed-use files: send a note. We’ll tell you if we can originate it. We lend on properties in Massachusetts, Texas, Florida, California, and Pennsylvania.
Does checking rates on this website pull my credit?
Rate tools on our application system may request credit. This website’s contact form and calculators do not pull a credit report. We do not claim “no credit impact” unless the application path is a soft pull.
Is submitting the contact form a mortgage application?
No. Sending a note is not a mortgage application and does not obligate you or GenNext.Mortgage. A mortgage application is taken in the secure application.
Who will I work with?
A named licensed advisor is on every file. You can call them, email them, and apply with them. Individual NMLS IDs are on each advisor page.
Do you offer FHA, VA, USDA, Non-QM, or HELOCs?
Yes — conventional, FHA, VA, USDA, jumbo, ARM, buydown, Non-QM, DSCR, HELOC, home equity, reverse mortgage, cash-out, construction, renovation, bridge, ITIN, physician, condo, and manufactured programs, where you, the property, and the investor fit. Primary, second, and 1–4 unit investment. Reverse mortgages are typically for homeowners 62+ occupying the home as a primary residence; HECM files require HUD-approved counseling. GenNext.Mortgage is not a government agency and is not endorsed by HUD, FHA, VA, or USDA. Not all applicants will qualify.
Can I refinance with you?
Yes, for a home in a licensed state — primary, second, or 1–4 unit investment. Rate-and-term, cash-out, FHA Streamline, and VA IRRRL. We'll walk the numbers with you. Refinancing may increase total finance charges over the life of the loan.
How do I reach you?
Call/Text (978) 705-1003 or email Hello@GenNext.Mortgage. We pick up. Meet the team on the Advisors page.
Still have a question?
Talk to a licensed advisor — or apply when you're ready.