We guide you through home ownership financing

Home loan solutions

We’ll help you find the right solution for the right home.

Every home purchase is unique to each buyer, so our loan officers start by lending a good ear to hear about your needs and goals.
Then we can recommend the right solution for you.

Fixed-rate loan

Lock in the same rate for the life of the loan.

Adjustable-rate loan

Get a lower initial rate and lower payments too.

Jumbo loan

Going big? This is a loan option for higher-priced homes.

FHA loan

An FHA loan is a low-down-payment option for first-time homebuyers.

VA loan

This is a flexible loan program for eligible veterans.

USDA loan

This is a loan option for first-time homebuyers in rural areas.

Get Started

Send us your contact information, and a loan professional will be get in touch with you shortly. Want to talk right now? call 1-833-6CASHUP (833-622-7487)

First name

Last Name

Phone

Looking to buy in

Have you previously been in touch with a member of our team?

Yes
No

Were you referred by a realtor?

Yes
No

By clicking Submit, I am providing my electronic signature expressly authorizing Evergreen Home Loans to contact me by email, text, or phone (including an automatic dialing system or artificial/prerecorded voice) at the home, mobile phone number or email address above. I understand I am not required to sign or agree to this as a condition to purchase.

5.00/5

over 15,000 reviews

68%

of loans closed early in 2024

So amazing! Always was there to answer all my questions and made the process feel very easy being my first time!

Maria — Winnemucca, NV

Friendly staff, quick to respond to questions and gave thorough information in order to keep process flowing.

Graciela L — Boise, ID

Frequently asked questions:

How do I determine how much mortgage I can qualify for?

One of the easiest ways to determine the amount of mortgage you qualify for is to reach out to one of our loan officers. Our experts will help determine the approximate amount you can borrow based on your specific situation before you shop for your new home.

What is mortgage insurance?

Mortgage insurance is written by a private mortgage insurance company to protect the mortgage lender against loss due to default or foreclosure.

What is an annual percentage rate (APR)?

The APR includes the cost of the interest rate plus any broker or lender fees, closing costs, discount points, or rebates. This cost is also expressed as a percentage and should be greater or equal to the interest rate. This number is influenced by the lender as it includes fees which may vary between companies.

What are closing costs?

Closing costs will cover recurring (ongoing expenses) and nonrecurring (one-time) fees that are part of your transaction. Costs can vary depending on where you live, the type of loan you choose, and the property that you purchase.

What are the government-backed mortgages?

The primary government-backed mortgages include VA, FHA, and USDA loans. VA loans are backed by the U.S. Department of Veteran's Affairs, FHA loans are backed by The U.S. Department of Housing and Urban Development (HUD), and USDA loans are backed by the U.S. Department of Agriculture.

Do you have questions about our home loans?

Read our Home Buying FAQs.