Meet The Team

At Mortgage Evolution , we will be by your side every step of the way. Home buying can create a lot of stress and fear of the unknown and we fully recognize those concerns. 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
Daniel Florence
Branch Manager
NMLS 19758
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.
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"Dan was attentive and encouraging and quickly answered all of our questions. I felt very confident going through the whole process with him and his team."
Joseph Arent
Branch Manager
NMLS 108506
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.
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"Joe is very helpful, and ensures his clients are well informed every step of the way. He goes above and beyond expectations."
Angela Florence
Client Relations Manager
I am here to assist Dan during your home purchase so you experience our best, at all times.
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Stephanie Brennan
Client Relations Manager
As a Client Relationship Manger for Joe’s ME team I assist with client communications and ensuring that you have the best possible experience working with our team.
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Mike Smith
Senior Mortgage Consultant
NMLS 293793
As a loan officer with over 17 years of lending experience, I have the knowledge and expertise you need to explore the financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers that exceed expectations.
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"Mike is very professional and attentive. He is very quick to respond to any questions I had almost immediately. Very pleasant experience. I will definitely choose Mike Smith for future purchases."
Nicholas Hook
Senior Mortgage Consultant
NMLS 236200
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.
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"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 support a team of very experienced loan professionals who hold themselves to extremely high standards. My favorite part about what I do is seeing the excitement when our clients hear that their hard work has paid off and they’re getting their keys to their new home.
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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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Nick Florence
Administrative Assistant
I support Dan, Angela, Joe, Nic, Mike, Jim and Quynh with various tasks that allow them to keep their focus on being available for our clients and the more complex parts of their job. I’m not yet a home owner but I have learned so much about finance and home ownership since entering mortgage in 2016.
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Jim Redin
Senior Mortgage Consultant
NMLS 119445
Jim has helped hundreds of families purchasing and refinancing their homes. The majority of his business comes from repeat clients, client referrals, and realtor referrals. The mortgage industry has changed over the years and Jim has the experience and knowledge to guide you through the loan process.
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