Meet The Team

At Mortgage Evolution, we'll be by your side every step of the way. We are knowledgeable about the mortgage industry and compassionate about our clients. We want you to feel at ease along the way and thrilled at the finish line. We hope to get the opportunity to show you just that.

Meet The Team
Dan Florence
Branch Manager | Mortgage Consultant
You deserve an experienced advocate who puts your plans, needs, and goals at the center of it all. You are a big deal in our world and we have worked hard to become the best lender you could call upon. We are zero pressure, good listeners, and have a sincere passion for what we do.
More About Dan Florence
"Dan and his entire team were great from the very start. As first time home buyers, we felt very comfortable working with them and they were always available to answer the MANY questions we had along the way :) They made the home buying process easy and we felt very confident with them on our side. I would recommend Dan and his team to anyone looking to buy a home!"
Joseph Arent
Branch Manager | Sr. Mortgage Consultant
NMLS 108506
916-524-4942
jarent@mtgevolution.com
Operating as Mortgage Evolution in CA, CO and WA
Operating as Finance of America Mortgage in AZ and NV
I am here to tell you that the dream of owning your own home, is 100% in reach. Whether you are a first time owner, ready to move, or simply refinance, I've got your back. You are not on your own. I am here every step of the way.
More About Joseph Arent
"It is very difficult to describe in words, the experience that I had with Joe and his team as it simply will not convey my level of satisfaction that they deserve. Joe's level of professionalism, knowledge and support was truly second to none. I was kept thoroughly informed of every step in the process along the way and was provided impartial guidance to my several questions throughout the process. You owe it to yourself to give Joe an opportunity to provide you with his services."
Angela Florence
Branch Manager | Client Relations
I’m here to learn where you are, where you want to be and explain the steps needed to get you there. I love what I do! There are never silly questions and my experience in mortgage lending since 1997 helps me explain all things one should learn and consider when buying a home or refinancing in plain language. My cell and email are open to you seven days a week.
More About Angela Florence
"From the very first day I spoke to Angela to the day we got our keys, the team was amazing."
Nicholas Hook
Senior Mortgage Consultant
Nic has over 14 years in the mortgage business specializing in purchase, refinance, VA and FHA. He grew up in Auburn, CA and started out in San Francisco working in the financial district, but has been back home in the Roseville area for over 10 years.
More About Nicholas Hook
"Nic was available when we needed answers to our questions. We rarely had to leave a voicemail, but when we did he promptly returned the call. He made it a priority to keep us in the loop via emails and even a text now and then."