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.
More About Dan Florence
"Dan and his team made us feel like we were their number one priority at all times. I truly appreciate working with genuine people who care. It’s not about having another customer with them. It’s about building relationships and sincerely helping people with their goals."
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. You’re always welcome to ask as many questions as you need, to have a complete understanding to make a well-informed decision. 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."
Quynh Toan
Compliance | Processing Lead
I’m “Quinn”, your Transaction Coordinator, and I’m here to make sure your mortgage loan is on schedule and moving nicely through the milestones. I’ve been working with Dan and Angela since 2015 and we hold ourselves to extremely high standards to ensure a smooth home purchase or refinance experience for our clients.
More About Quynh Toan
"Always a pleasure working with the Mortgage Evolution team. Dan, Angela, and Quynh are the best!! Honest, great communication and on time, important aspects when working with a lender. Will continue to work with them in the future."
Leo Reyes
Mortgage Consultant
My goal is to make sure I have a trustworthy and fun relationship with my clients. I’m always ready to help people around me, my background in customer service and desire to make people smile is why I like the mortgage industry so much. It gives me a chance to help people realize their dreams and that always brings a smile to my face.
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Binh Morrow
Loan Processor
I am thrilled and excited to be a member of Mortgage Evolution team as a loan processor. Before joining this company, I was working in the financial industry for more than 13 years.
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Alyssa Aguayo
Mortgage Consultant
I am here to assist you in getting the home of your dreams or refinance your current home. I will do my best to clearly and effectively communicate to you through every step of the way and make this process as stress free and seamless for you as I can.
More About Alyssa Aguayo