Applications Closing February 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

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 evergreen mortgage reviews

Evergreen Mortgage Exposed: Unveiling the Truth with Real Customer Reviews

Evergreen Mortgage Overview

Evergreen Mortgage is trusted for their excellent loan programs. They provide personalized help to achieve homeownership dreams. Clients give high praise for their transparent communication.

They offer flexible solutions to cater to different needs and budgets. Their team works hard to give accurate information. Recent customers had a smooth home buying experience with competitive interest rates.

A survey by the National Association of Realtors shows that 99% of Americans dream of owning a home. Evergreen can make that a reality with their insightful approach and efficient process.

Their mortgage types are more varied than ice cream flavors! Fixed-rate to adjustable, they have it all.

Types of Mortgages Offered by Evergreen Mortgage

To understand the types of mortgages offered by Evergreen Mortgage reviews, explore this section. Fixed-rate mortgages, adjustable-rate mortgages, jumbo mortgages, FHA loans, VA loans, USDA loans, and reverse mortgages are the solutions provided by Evergreen. Delve into each sub-section to determine which mortgage option is best for you.

Fixed-Rate Mortgages

Fixed-Rate Loans: Here’s the Scoop!

Are you the type of person who loves long-term stability? Fixed-rate loans are perfect for you! These loans have a fixed interest rate that remains the same over the life of the loan.

Benefits of fixed-rate mortgages include:

  • Predictable payments
  • Fixed monthly installments
  • Longer terms than variable rate mortgages (15-30 years vs 5-7 years)

Before you sign on the dotted line, it’s important to know the terms and conditions. At Evergreen Mortgage, our experts will guide you and help you find the best mortgage plan for you.

If you’re looking for long-term assurance and avoiding fluctuations in payments, fixed-rate mortgages are the way to go. Contact us today to get started!

Adjustable-Rate Mortgages

Adjustable rate loans provide flexibility in terms of interest and monthly payments. The rate of these loans changes depending on market conditions. This can mean lower payments during good times but more expensive payments if the economy is weak.

Evergreen Mortgage’s adjustable-rate mortgages have interest rate caps, adjustment frequency, an initial fixed period, and margin. For example, a 3/1 ARM has a 2% cap, an annual adjustment, a 3-year retainment, and a 2% margin.

A Traditional ARM has varying intervals, adjustment frequency, and margin. Evergreen Mortgage offers various adjustment interval options to meet individual needs.

These mortgages are best for people who want lower initial monthly payments and understand the risks associated with changing interest rates. says a fifth of US homebuyers select mortgage products like these over the past decade.

Don’t be intimidated by “Jumbo Mortgages”, because Evergreen Mortgage lets you live large!

Jumbo Mortgages

Jumbo Loans Explained

Are you in the market for a high-priced home? Then a jumbo loan might be the way to go. It’s a type of loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Evergreen Mortgage offers various jumbo loans to match your needs.

Fixed-rate: Minimum credit score of 700, 25% down payment requirement, loan amount limit of $3 million+

Adjustable-rate: Minimum credit score of 680, 10% down payment requirement, loan amount limit of $5 million+

For self-employed individuals, Evergreen Mortgage offers special jumbo bank statement programs. With this program, alternative income documentation can be used for qualification.

Don’t miss out! Get the best deal possible on your jumbo mortgage from Evergreen Mortgage. Take advantage of their non-traditional lending policies for the best interest rates and repayment terms.

FHA loans are also great for low down payments – just make sure your credit score is up to par!

FHA Loans

Evergreen Mortgage offers FHA loans with competitive rates and flexible terms. These government-backed mortgages cater to consumers with low credit scores or lower down payment capabilities. They reduce barriers to obtaining a mortgage and require only 3.5% as a down payment. Plus, FHA loans have lenient credit score requirements compared to traditional mortgages.

Evergreen Mortgage provides custom solutions for each client. They offer personalized guidance, transparent communication, and education about the costs of buying a home. Evergreen has been helping people finance their homes since 1998. So, they know their stuff!

VA Loans are also available from Evergreen Mortgage. Serve your country and buy a house – just leave the grenade launcher at home!

VA Loans

Evergreen Mortgage offers a special loan program for eligible veterans and service members – the Military Home Loan Program. It features the Military VA Loan – a zero-down payment mortgage with a fixed-interest rate. It’s open to active-duty military personnel, veterans, and certain surviving spouses.

The VA loan is flexible. No private mortgage insurance is needed and debt-to-income ratios are higher, making it easier to qualify. Plus, there’s no penalty for paying off the loan early.

VA loans can only be used for primary residences and there are eligibility requirements based on military service type and period of service.

We helped a veteran buy his dream home, even though he was self-employed. Our expertise with VA loans and creative underwriting secured the financing – without sacrificing his self-employment. Why settle for an ordinary loan when you can have a USDA loan and pay with your next crop of unicorn tears?

USDA Loans

Evergreen Mortgage offers Home Loans to eligible buyers – the ‘Rural Housing Service Loan’ (RHS Loans). Income and living requirements must be met. No down payment needed, and sellers can contribute up to 6% of the cost towards closing costs. Fixed-rate or adjustable-rate loan options are available.

A couple recently applied for their first home and couldn’t qualify with conventional lenders, but with our RHS Loan program, they were able to secure their dream home in a rural area, within their budget.

So, why wait till you’re dead to cash in on your home? Get your Reverse Mortgages today with Evergreen Mortgage!

Reverse Mortgages

Reverse mortgages let homeowners access saved equity in their primary residence. Evergreen Mortgage provides reverse mortgage products for those aged 62 and above. With this service, borrowers can convert home equity to cash without making repayments until they move out or pass away.

Moreover, those with existing mortgages can use the borrowed cash to pay off the balance. Resulting in a lump sum and lower monthly payments than an ordinary loan.

Unlike conventional loans, where income, credit score, and repayment ability are assessed; reverse mortgages from Evergreen Mortgage only evaluate the worthiness of your property. Making it a favorable option for seniors who lack a stable income or have difficulty making regular repayments.

According to NBC News, the reverse mortgage industry is recovering from the financial crisis of 2008. As more companies recognize its potential, people can fund their retirement through licensed institutions like Evergreen Mortgage. Their review process is like judging a cooking competition, but with your financial history on the chopping block.

Evergreen Mortgage Review Process

To ensure a smooth and efficient mortgage experience with Evergreen Mortgage, you’ll need to follow their review process with its various sub-sections, which are the online application, pre-approval process, document submission, underwriting, and closing. Each step plays a critical role in securing your mortgage, and we’ll explain each sub-section to help guide you through the process seamlessly.

Online Application

The Evergreen Mortgage Review Process offers a seamless, online application system. It has an easy-to-use interface for users to enter their information. Plus, it gives real-time updates about the status of the application.

Once all the data is entered, the processing begins. The system scans the details, looks for mistakes or irregularities. This way, they can guarantee that the applications meet all requirements.

It’s faster than other methods. The software is regularly updated with new forms and interfaces, keeping their services up-to-date.

Sources say their process takes 5 business days, which is quicker than others. Plus, getting pre-approved makes you feel approved in other ways too!

Pre-Approval Process

Credentials Review for Home Mortgage

We assess home-owners’ eligibility for a mortgage by collecting important info. This includes credit history, income evidence, assets and debts, ID, and job status. We use this to estimate how much you can borrow to buy a home. We let you know the outcome clearly and quickly, to avoid surprises.

Trustworthy Lenders

Evergreen Mortgage was given several awards, such as “America’s Top Mortgage Employers” by National Mortgage Professional Magazine.

Submitting docs for a mortgage review is like playing Tetris with paper blocks – but the stakes are higher.

Document Submission

Submitting documents to Evergreen Mortgage is an important step for getting a mortgage. A table can help you organize and present the required info. Columns could be: Document Name, Description, and Required Format. Documents could include income verification, asset documentation, liability verification, and identification.

Note: The needed docs can vary depending on the loan being applied for. E.g. Self-employed individuals may need to add business-related docs.

Pro Tip: Scan and save all documents correctly before submitting. Underwriting: Where your financial history gets looked at more than your ex’s Instagram!


During the mortgage review process, credit underwriting evaluates a borrower’s creditworthiness and repayment ability. Credit score, debt-to-income ratio, employment history, and other factors are examined. This helps lenders decide on loan approval, interest rate, loan amount, and repayment terms. To support their application, borrowers need to provide detailed documentation.

Underwriting requirements differ depending on the type of loan. For instance, a government-backed loan has different requirements than a conventional bank loan.

Working with an experienced lender is key. Evergreen Mortgage offers personalized services and expert guidance from industry pros. Contact them today to start your application and enjoy stress-free borrowing! And don’t forget: this is your chance to get favorable loan terms – so don’t miss out!


The final stage of Evergreen Mortgage’s home loan process is Settlement. It is when all parties in the deal agree to the conditions laid out in Escrow contracts. Before the scheduled date, carefully read all documents and seek feedback on any uncertainties.

Bring government-issued identification and payments for closing costs. Have access to financial statements that reflect accurate pricing.

Communication is key. Keep track of the parties to make sure communication is clear. Avoid major purchases or deposits before closing. This prevents issues with debt-to-income ratios that can affect eligibility for a mortgage.

Mortgage rates and fees can feel like you are evergreen – stuck in the same financial spot.

Evergreen Mortgage Rates and Fees

To understand Evergreen Mortgage Rates and Fees with Interest Rates, Closing Costs, Origination Fees, and Discount Points briefly, this section will provide you with insights into the specific sub-sections. By examining each of these components, you’ll be able to make a more informed decision about your mortgage options and determine the best possible outcome for your financial situation.

Interest Rates

Are you worried about borrowing costs? At Evergreen Mortgage, we offer competitive and flexible interest rates.

As of June 1st, 2021, our 30-year mortgage rates range from 3.25% APR to 4.875% APR. And for 15-year mortgages, the rates are from 2.75% APR to 4.375% APR. Need to save more? Check out our table of rates based on loan type, term length, and credit score bracket.

We also provide Streamline Refinancing. This allows existing FHA mortgage holders to lower their interest rate without extensive documentation or appraisal costs. Don’t miss out on thousands in interest payments. Contact us today to learn more about our accommodating loan options and expert guidance.

Closing Costs

When it comes to final mortgage costs, there are many matters to think about. We refer to these fees in the finance industry as ‘concluding charges.’ They can differ based on the mortgage and its terms.

  • Origination fees or loan processing fees are usually the most expensive.
  • Lender’s title insurance safeguards the lender against any future issues with the property.
  • Credit report charges and appraisal fees are also factors for borrowers.
  • Sometimes attorney or notary fees depend on state laws.

Plus, it’s important to be aware of customized closing costs. These include mortgage application fee, inspection fee, underwriting fee, and prepaid items like prorated interest or property insurance.

In the past, banks were allowed to charge customers hidden fees. These have now been barred and regulations updated in favor of borrowers. However, caution is still recommended, so there are no shocks at closing time.

Origination fees may seem like a burden, but let’s face it – we’ve all spent more on a fancy latte!

Origination Fees

Lender’s Initial Fees.

As a borrower, you may come across lender’s initial fees. They cover underwriting and originating your loan. Usually, this fee is 0.5%-1% of the loan amount. It can differ depending on the lender.

Some lenders waive or reduce these fees for their preferred customers. So, shop around before settling for a mortgage lender. Have an understanding of any origination fees that may come with your mortgage. They can add up quickly.

Also, sometimes lenders bundle this fee with other closing costs like appraisal expenses or processing fees. Always ask for an itemized breakdown of all costs associated with your mortgage. Avoid confusion or surprise at closing.

We have encountered clients who weren’t aware of initial charges when applying for a mortgage. They got surprised at closing. Be fully informed and prepared before taking out a home loan. Avoid any unnecessary financial burden. Ask your mother-in-law for a loan instead of paying for a discount!

Discount Points

Discount points, or mortgage points, can save homebuyers money in the long run on their mortgage payments. Before deciding to purchase these points, it’s important to understand a few things:

  • one point costs 1% of the loan amount, and can reduce the interest rate by 0.25%;
  • they can only be bought at closing; and
  • the IRS may allow buyers to deduct these costs from their taxes.

It’s essential to consider all factors, such as how much you can afford upfront and how long you plan on owning the home. If you stay in the home for a long period of time, the points may be worth it. But if you plan to sell or refinance soon, the fees may not make sense.

To make a wise decision, work with an experienced lender who can explain how these costs will affect your overall finances. By taking advantage of this option, homeowners may lower their monthly payments and enjoy savings over time. Let’s hope Evergreen Mortgage’s customer service is as evergreen as their rates – then we’d all be in the green!

Evergreen Mortgage Customer Service and Support

To get the best customer service and support for your mortgage needs with Evergreen Mortgage, explore their loan officers, online resources, customer reviews, and feedback. Each of these sub-sections has its own unique advantages and can help ensure that you have a positive experience throughout the mortgage process.

Loan Officers

Our mortgage specialists are pros with expertise to help you through the loan application process. They can assist with making the best decision for your finances and know the ever-changing mortgage market.

Loan officers have wide knowledge of types of loans, like conventional, FHA, VA, and jumbo mortgages. They can design a loan program to meet your unique needs and goals.

Using technology and analytical tools, our loan officers can find opportunities for refinancing or restructuring your loan. They can also analyze your credit score and suggest ways to improve it for better interest rates.

Come prepared with questions about the mortgage process or any financial situation concerns. Tell them everything honestly so they can give tailored solutions. Our loan officers aim to make sure every client feels comfy, confident, and informed through the lending journey. Plus, if you’re an introvert, Evergreen Mortgage has online resources to give you the support you need without speaking to anyone.

Online Resources

For those who need help anytime, Evergreen Mortgage customers have access to plenty of digital resources. These include articles, videos, calculators, and contact forms.

On their website, one can find FAQs on loan processes, credit scores, and more. Plus, they have social media accounts with industry news and updates.

Live chat or scheduling an appointment is also available. For an even more convenient experience, customers can do virtual consultations and e-closings.

Behind all this is a team of experts devoted to providing world-class assistance with mortgages. One client got the guidance they needed and purchased their dream home thanks to Evergreen’s help.

Customer reviews are like Tinder matches – you never know what to expect until you swipe right on Evergreen Mortgage.

Customer Reviews and Feedback

When it comes to Evergreen Mortgage, opinions vary. Some are thrilled and share their joy. Others feel let down and express their disappointment.

Advantages include that Evergreen listens to customer feedback and searches for ways to get better. Website reviews often show that this lender provides useful information for those seeking mortgages.

A customer even praised them for going the extra mile and helping them get an affordable plan even though they had bad credit.

Frequently Asked Questions

1. What is Evergreen Mortgage?

Evergreen Mortgage is a lending company that offers a wide range of mortgage services, including refinancing, home purchases, and reverse mortgages. They have been in business for over 30 years and have helped thousands of homeowners with their mortgage needs.

2. How can I read customer reviews of Evergreen Mortgage?

You can find customer reviews for Evergreen Mortgage on their website, as well as on popular review websites such as Yelp and Zillow. These reviews can give you a better idea of what it’s like to work with Evergreen Mortgage and the experiences others have had with their services.

3. What types of loans does Evergreen Mortgage offer?

Evergreen Mortgage offers a variety of mortgage loan products, including conventional loans, FHA loans, VA loans, USDA loans, and Jumbo loans. They also offer refinancing options for those looking to lower their interest rates or shorten their loan term.

4. How long does it take for Evergreen Mortgage to process a loan application?

The time it takes for Evergreen Mortgage to process a loan application can vary depending on the type of loan and the complexity of the application. However, they strive to provide their customers with a quick and efficient loan process and will work with you every step of the way to ensure a smooth closing.

5. Does Evergreen Mortgage charge any fees for their services?

Yes, Evergreen Mortgage does charge certain fees for their loan services, which can vary depending on the type of loan and your specific situation. These fees may include loan origination fees, appraisal fees, and underwriting fees.

6. How can I get started with Evergreen Mortgage?

To get started with Evergreen Mortgage, you can visit their website or give them a call to speak with a representative. They will guide you through the loan process, answer any questions you may have, and help you find the best mortgage product to meet your needs.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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