Welcome to Mortgage Evolution

Our lives evolve and our needs change. We feel you deserve a mortgage team that truly knows what exceptional customer service entails; a friendly group of hard-working people who care about you, your goals and your priorities. The business of obtaining a loan evolves and has become more complex. With Mortgage Evolution, you get a team of professionals with advanced expertise on the latest and greatest the mortgage industry has to offer; a team that knows every single step involved, from start-to-finish, who will take pleasure in being your close guide along the way. Whether purchasing a home or refinancing an existing home, welcome, and thank you for giving us the opportunity to serve you.

Find Out Who We Are

Purchase

Ready to purchase a home? Let us help you get educated and prepared. With us, you will learn all loan options available to you.

Purchasing Information

Refinance

Refinancing can be a great financial move. We are experts at helping home owners weigh the pros and cons of the refinance options available.

Refinancing Information

Other Financing

Sometimes, non-conventional solutions are needed, to get the job done.

More Financing Options

"Our experience with Mortgage Evolution was flawless! They were accurate, kind, helpful, and super communicative!"

- Angela H. | Lincoln

"I sent hundreds of e-mails to them and they were always promptly answered. You simply cannot get this type of customer service anymore."

-Matthew C. | Rancho Murrieta

"They were straightforward, so informative, happy to explain anything I asked about, and a pleasure to work with."

-Jessica G. | Sacramento

"Their industry knowledge was extensive, time saving and incredibly helpful. This was our 3rd home purchase and first time using Mortgage Evolution. What a difference! "

-Tawny H. | Roseville

"There won't be any surprises with your purchase when these guys are steering the boat. If I could give them more stars, I would!"

-Donovan B. | Elk Grove

"We have bought and sold a few homes over the past several years and Mortgage Evolution was BY FAR the best and easiest mortgage company we have EVER worked with."

-Darin & Jill D. | Cameron Park

First-Time Home Buyers

Purchasing your first home is a thrilling time in one’s life and a great accomplishment. But it can also be stressful and filled with insecurities. We understand those feelings and a primary focus of ours is to alleviate those worries with education and high availability. We have all of the loan programs, great interest rates and most of all, we’ll be with you every step of the way.

More Information

Down Payment Assistance Programs

You are ready to purchase a home but haven’t quite been able to save enough for the down payment and closing costs. We offer loan solutions with the two main California agencies that offer down payment assistance, CalHFA and GSFA, and can offer many options for buyers needing a little help with the cash required to purchase a home.

More Information

Fresh Start Home Buyers

“Life” touches us all at one point or another, doesn’t it? We’re in a unique time where an unprecedented number of people were hit hard in recent years. We want you to know that many of our “re-entry” clients did not feel they could get approved when they first came to us. We wonder how many never even reach out. If you want to own again but are concerned over your past bankruptcy, short sale, foreclosure, or tax debt give us a try. You may be closer than you think and if you are not quite ready, that’s ok; we will work with you towards a plan and remain by your side until your day comes. And it will come.

More Information

Conforming Financing

Conforming financing is more flexible than many think and does not need to be thought of as the loan program for those who are “perfect”. Being a division of one of the largest mortgage lenders provides us an opportunity to underwrite conforming loans inhouse. This allows us to qualify a high percentage of buyers for conforming financing and stay competitive with all conforming programs and variations.

More Information

Loans for Veterans

For qualified Veterans, there is no better loan than the VA loan. No down payment requirement, no mortgage insurance requirements, incredible interest rates, and flexible guidelines make this the loan program of choice for our freedom guardians.

More Information

FHA Financing

FHA financing options are a perfect fit for many buyers who need the additional credit and/or debt ratio flexibilities not available with conforming financing. In many circumstances, FHA’s interest rates are lower than conforming interest rates. A little-known fact is that FHA in available to those with previous home ownership experience, not just to first-time home buyers. As one of the nation’s largest mortgage banks, we are not subject to guideline restrictions, known as “over-lays”. This allows us to qualify a higher percentage of buyers for FHA financing than many other lenders and, as always, our pricing and terms are competitive.

More Information

Jumbo Financing

A Jumbo loan refers to loan amounts that exceed a county’s high-balance conforming loan limit. Jumbo loan guidelines are the most complex and demanding of all loan programs which requires a lender advanced in experience, technical knowledge and transaction management. Each of us at Mortgage Evolution knows how to navigate the tough terrain of Jumbo financing while providing the best of loan terms and high-level advice.

More Information

A Quality Pre-Approval Process

One of the best feelings you can have during your home buying experience is the confidence of knowing you are truly approved, with nothing lurking around the corner. There are no short cuts to the path of a truly solid pre-approval for your unique loan file. Regardless of the complexities that may exist you deserve a quality pre-approval, and we have the know-how and systematic process to ensure you get exactly that.

More Information

Quality Loan Estimates

Many lenders give their clients a loose “loan guesstimate” which is the reason many borrowers experience the surprising “last minute changes”. We believe, whether you are buying a home or refinancing a home, you should be able to count on our loan estimates. We utilize a proprietary system along with our experience and expertise to ensure completeness and accuracy.

More Information

Home Purchase Process

It is so important to us for our clients to feel that their experience with us was smooth, orderly, communicative and timely. We are laser focused on a continual evaluation of our performance and the use of technology to ensure that we are in line with what will satisfy you the most. Click below for more detail on the home buying process and of course, reach out to us with any questions or education you’d like on this important topic.

More Information

Credit Education

Did you know the mortgage industry uses a completely different scoring model than the scoring model used for the Credit Karma-type scores we see? When planning for a home purchase or when taking a course of action to improve your credit, it’s important to know your mortgage credit score as well as the dos and don’ts. Unfortunately, many buyers make moves that seem like a good idea at the time, unaware of the negative consequences where mortgage qualification is concerned. We would be more than happy to offer you complimentary consultation so you can be assured you are doing the right things..

More Information