Angela Florence

Branch Manager | Client Relations

NLMS 1857446

Angela Florence

Hi! So happy you’ve found us. 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 (as a prior Underwriter and National Mortgage Training Manager) 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.

My husband and Co-Branch Manager, Dan, and I enjoy ensuring our clients understand all options and explaining the pros and cons of each so that your mortgage is aligned with your future financial goals. We regularly meet with our clients in person and continue to advise well after their loan has closed.

I’m a mother of 4 and bought my first home in 1994. I’ve volunteered for local schools, city programs and assisted in organizing charity events. Dan and I met in mortgage in 1999, we’ve worked as a mortgage team since 2013 and are happily married since 2001. I look forward to speaking with you soon!


From the very first day I spoke to Angela to the day we got our keys the team was amazing. I cannot say enough good things about Dan and his team. We had some ups and downs during the process and they were there to guide us through. They did whatever it took to make things happen. They were always available to answer any questions we had and guided us through buying our first home. I can’t imagine doing this with any other company we will be their customers for life.

Patrick H. | Applegate, CA

They deserve thousand of STAR! Dan, Angela and team are awesomet! Angela explains everything we need to start the process, Dan guide us detailed by detailed from start to finish. They are so patient, easy to communicate, they are even available during the weekend. They will guide you all the way. Thank you, Dan and Team! I will surely recommend you to all my friends and relatives and we wish You all the success!

Benji & Joy B. | North Sacramento, CA

From the moment I received my first text from Angela Florence at Mortgage Evolution to the moment I signed the closing documents on my new condominium, Angela, Dan Florence, and all of the rest of the team at Mortgage Evolution could not have done a better job than they did. They were truly outstanding in all steps of the process. In each and every one of my interactions with every member of the Mortgage Evolution staff, they were professional, knowledgeable, courteous, friendly, and always available to answer any questions I may have had. I would not hesitate to recommend their services to anyone I know and will undoubtedly use them again myself sometime down the road. I am a homeowner again! Obviously fantastic news that would have never happened without all of your above-and-beyond-the-call efforts on my behalf. My circumstances were not the “norm.” For sticking with me and serving as my advocate throughout the whole application and closing, I cannot thank all of you enough. It has been a genuine pleasure working with each and every one of you. You are all outstanding!

Carl L. | Folsom, CA

Dan, Angela, and the overall whole Mortgage Evolution team is amazing. I couldn’t have asked for a better experience as a first-time home buyer using my VA. They are kind, caring, and extremely knowledgeable and helpful. I was honored to have worked with them and look forward to recommending them to anyone who is in need of a lender. Thank you for being the best.

Jessica T. | Anatolia/Rancho Cordova, CA

My husband and I have truly found a mortgage team that values their clients. We had reached out to Angela Florence after we had been able to rebuild our credit and save the funds for buying a home. Dan and Angela are unique folks who remember important details and Dan’s strategic skills provided the opportunity for two people who have worked hard to make a decent life for our family. It takes special talents in dealing with anxious folks who observe the generosity from a lender years of experience to make our dream of home ownership a reality. Dan is extraordinary in making sure every process in finance met the underwriters specific set of rules. We highly recommend Dan Florence and his team for making home ownership and you will definitely find a friend you can trust for life!

Karen & Jim A. | Yuba City, CA

Dan and Mortgage Evolution were recommended to us by our family and we are so glad they did. Dan, Angela, Quynh and the Team were amazing. As first-time home buyers we were clueless and didn't know much about mortgages and real estates. The first step for us was a phone interview with Angela. She asks questions about our finances, employment history, credit, etc. For some people it can be a sensitive topic to discuss personal information however Angela was very sincere and comforting. Dan was very honest with us, never mislead us to anything or try to pressure us with the different types of loans, credit, assistance, etc. With all the numbers that goes with mortgages, Dan explained every little details and scenarios. With the long progress through mortgage and escrow, Dan will explain every steps of the process. My wife and I have busy schedules, Dan and his team was always available for questions and concerns at anytime. Dan helped us closed on our first home, made everything very easy and painless. We hear horrible stories from others from not closing due to their lenders. Of course everyone situation is different, if there any hiccups, they will help you through it. Dan and his team will not disappoint. Would highly recommended to all our friends and family.

Drew N. | Stockton, CA

Dan, Angela and the team were amazing during my first home buyer experience. They walked me through every step of the home buying process and were extremely encouraging... even when I felt like walking away. Dan and Angela made it happen and 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 there their goals. Wishing Dan, Angela, and Quynh all the best!!

Ronni B. | Rocklin, CA

From the very beginning, my experience with Mortgage Evolution was fantastic. I spoke with Angela on the telephone, and she was very knowledgeable and informative and she spent a considerable amount of time with me. I felt very comfortable with Mortgage Evolution and Angela scheduled an appointment for me with Daniel. I’m one of those people that likes to do financial transactions in person. Daniel took the time to explain the process and he went over the different loans that were available to me. He explained the pros and cons of each loan. Once I signed the Loan Agreement, that was not the end of the great service. Daniel and his staff kept me informed of every step of the process. In fact, I never had to reach out to them for information on the loan process. Daniel went the extra mile and got the Home Builder to pay more of my closing costs.

If I’m ever in need of a mortgage loan again, I will definitely use Daniel Florence and Mortgage Evolution. I will recommend to my family and friends to use Daniel Florence and Mortgage Evolution for any of their mortgage loan needs.

David D. | Woodland, CA

This review is actual tandem for both Dan and his wife, Angela. What can I say...these two are the dynamic duo of the mortgage and finance and they helped me with not just one, but TWO home purchases. I would have to say the first home purchase was an "experience" to say the least. Anything and everything that could possibly come up to slow the process down happened - but quite honestly, Dan, Angela and team shielded me, coaxed me through, soothed my stressed self through the process. I guess you could say that they fought for me tooth and nail through it all, and in the end, I was able to purchase my first home. Fast forward almost two years later, when I was ready to make my second purchase, I cannot believe how much easier and smoother this process went. Again, they made it smooth sailing for me. I lost out on a home just a few days before the holidays; I went out, found another home the day after Christmas, and made an offer. The amazing part is, they kept the ball rolling as if it never even dropped, and picked up where we left off and was able to close in about 17 days (give or take). I don't know of any other team that would've worked through the holidays and weekends to make MY dream happen. They are truly going to work for you, and in the end, you will have gained not only a new home, but good people to call your friends.

Liza B. | Elk Grove, CA

Dan and Angela were so great!! We were first time home buyers and had no idea what we were doing. Dan and his wife Angela made the process super smooth and keep us in the loop on all the details! Not only were they so professional but also just the nicest people you could ever meet! I give them 5 stars but I'd give them 1000 if I could! Work with Dan and Angela you won't be sorry!!!

Tayler & Julia C. | Orangevale