Hello to you! I’m glad you’ve taken the time to check us out. I am a lifelong student and practitioner of mortgage lending. You can feel at ease reaching out to me or my co-branch manager and wife, Angela, by phone/text or email to discuss what you have in mind or to schedule a chat in person.
We are zero pressure, good listeners, and have a sincere passion for what we do. We can help you make sense of things to prepare for your home purchase or refinance and can advance your understanding well beyond an “internet education”. Over my career, I have managed over 4,000 mortgage transactions, which has helped me develop a quite a knowledge base for a smooth and well-informed client experience.
I have high expertise in the following loan programs: Conventional, FHA, VA, Jumbo, First-Time Home Buyer programs and am an approved lender for California Housing Agency (CalHFA), the Golden State Finance Authority (GSFA), the two premier down-payment assistance agencies in California.
I am fortunate enough to have my wife, Angela, as my mortgage partner. She is amazing at her job and loves educating and being a part of our client’s journey towards home ownership. We met in 1999 while both working for the same mortgage company and along the way we’ve become parents of four wonderful kids, and a small “home-zoo” including a dog, bunny, cat, snake and a turtle. In our downtime, we enjoy family activities, friends, and the simple things in life.
Our cell phones and emails are always open to our clients and their realtors seven days week. We look forward to meeting you!
I have to say that I was super nervous about buying a house. I didn’t know what to expect at all. However, Dan and Angela were so helpful. I feel like they became my friends and I always felt that they were on my team. My best interests were always a priority to them. Any questions I ever had were met with lighting response. No question ever was stupid, and they always had an answer. Mortgage evolution exceeded all my expectations ×1000. I appreciate everything they did for me. It won’t be forgotten.
If I could give Mortgage Evolution 5 million stars, I would! From the moment I contacted Angela and Dan over a year ago, I knew I was in good hands. I had a few blemishes on my credit that could be seen as road blocks to other lenders, but Dan exhausted EVERY reasonable avenue available to get me a loan. In the end, I not only got a great loan, but Dan, Angela and Quynh were able to get everything tied up in time to secure grant monies for a down payment.
The whole team treated me as though I was their only client. Every inquiry received an immediate response. Every question I had was met with an immediate explanation. In fact, they often anticipated my questions and answered them before I could even think of them.
They clearly outlined the entire process from application to closing. Angela even helped with some post-closing dog park suggestions!
I have been through the process of obtaining a mortgage twice before and Mortgage Evolution provided a level of service the previous lenders couldn't even dream of. Saying they exceeded my expectations in every way does not begin to cover it!
Dan and Angela were amazing with assisting our family in obtaining a mortgage for a new home purchase. It took our family a year to find a house we would love and they were there every step of the way. Throughout the process, Dan and Angela were considerate and responsive. They answered every question (and we had many) with a high level of expertise, understanding, and patience. We knew we were getting the best value for service. I wouldn't hesitate to use their services again!
Dan and his team were AWESOME!! We are first time homebuyers and they did an excellent job explaining every step of the process letting us know where we are, what to expect, and what is next. We are extremely happy with the service we received from Dan, Quynh, and Angela at Mortgage Evolution. They were all very knowledgeable and pleasant to work with. We will definitely use them again in the future!!!
Daniel and his team were great to work with! My fiancé used Daniel for his first home loan and he had such a good experience with that we went back to him for our second loan. My fiancé is a firefighter and has a fluctuating income based on different seasons, and Daniel was able to work will all of this effortlessly and make the experience go very smoothly. His team worked great around our busy schedule and with the fact that we were moving from Northern Cali to Southern Cali. His team was very responsive and helpful and got our loan closed in record time! We are so very thankful for them and all of the hard work that they did for us. We will definitely be recommending him and his team to our friends and family!
We were considering buying our first home and had tons of questions but not a lot of resources. During our first chat with Dan, he took over an hour to explain the logistics of the preapproval process and how our individual credit scores, income, and debts factored in. The fact that he took the time to explain everything to us made us confident in choosing Dan as our lender. Dan was responsive, professional, and patient throughout the whole process. Even when a family emergency occurred during our home purchase, he was very understanding and assured us that everything could wait, and he'd make sure it would be taken care of. We couldn't recommend a better lender.
Dan Florence was amazing he made the impossible possible. A year ago, my husband and I would have never thought we would own a home. Now we have officially closed! Dan is brilliant at what he does, we ended up closing with their down payment assistance program. We couldn’t have asked for a better lender. If you’re considering buying a house please reach out to Dan he will make your dreams come true. We Also want to thank Angela for taking the time to explain this whole process to us we appreciate you.
We were referred to Dan through Lending Tree. I was extremely happy that I called him. Dan and his team were extremely nice, helpful, and totally on our side. They explained things to us, were always available for calls, and even worked really late at home while processing our loan. This is the third house I have bought in my life, and this loan process was by far the best. There was none of the usual heartache waiting for everything to happen. We just focused on moving, and Dan and his team took care of everything else. He even got us a higher loan for a bigger house at an affordable rate and monthly payment, all of which we thought would never happen. We never thought we would be able to afford such a nice house in a great area, all thanks to Dan and his team. I highly recommend him if you want to have a seamless and stress-free home loan process. Plus, he's just a really nice guy.
I rarely write reviews. I only write them if I feel compelled to because I have had a positive or not so positive experience. This isn't the first home I've purchased but it has been a little while since the last one and the process is more complicated than ever.
From my initial interaction and even after the loan funded, I have been so impressed with the service and professionalism I received from Mortgage Evolution. Dan, Angela and team are really a cut above the rest. My wife and I do not have perfect credit, nor do we have a lot of disposable income. To make things even more interesting we had a unique and challenging circumstance to overcome. Our real estate transaction was definitely not traditional. Dan knew exactly how to handle our situation and saved us money in the process.
These folks will work with you. If you are not quite at a point where you qualify, they will help get you there. Their communication was stellar. I sent hundreds of e-mails to them and they were always promptly answered. When I was freaking out, they were cool, calm and collected. You simply cannot get this type of customer service anymore. It's refreshing to know it still exist.
If you're are looking for a mortgage lender, you've found them. You will not find a better group of people to help you with your lending needs.
They helped me refinance my house out of a private loan. The private loan was my only option to own a home. After a year of being in my home, I was introduced to Dan and Angela. I thought I would be wasting their time and was hesitant to go through the loan process just to be turned down again. Dan, knowing my situation, said he was up for the challenge and was determined to help me to refinance out of the high interest private loan!! His team worked day and night putting my paperwork together. The process was seamless, and they made it so easy on my end!! I was completely blown away the day he called me and said my loan was approved! Dan and his amazing team definitely worked miracles!! I am forever grateful!!
I am still in awe that I have a 30 year fixed loan, that they saved me a huge amount of money monthly, and that I don’t have to worry about losing my house!! They saved me in so many ways!! Thank you!