Evergreen Lending
Mortgage · Real Estate
Luxury mountain home in evergreen forest
Mortgage · Refinance · Investment

Financing your
future starts here.

Whether you're purchasing your first home, refinancing your current mortgage, or building a real estate investment portfolio — we make financing simple, fast, and human.

14 days
Avg. close time
4.9 / 5
2,400+ reviews
$2.1B+
Funded to date
Fannie Mae Approved· Freddie Mac Seller/Servicer ·FHA · USDA Direct· 40+ Wholesale Partners ·NMLS Licensed in 48 States· Equal Housing Lender ·
Fannie Mae Approved· Freddie Mac Seller/Servicer ·FHA · USDA Direct· 40+ Wholesale Partners ·NMLS Licensed in 48 States· Equal Housing Lender ·
Instant Estimate

Do the math in 30 seconds.

Payment Calculator

Estimate your monthly payment in seconds. Real numbers, no email required.

Estimated
Monthly payment
$3,978/mo
Principal & Interest$3,287
Taxes$542
Insurance$150
HOA$0
Loan amount$520,000
Down payment$130,000
Why Evergreen

Old-school service. New-school technology.

We pair AI-powered speed with a dedicated human loan officer on every file — no call centers, no ghosting.

Fast Closings

Close purchases in as little as 14 days.

Competitive Rates

Access wholesale pricing across 40+ lenders.

Local Experts

Loan officers who know your market cold.

AI Loan Assistant

24/7 answers, pre-quals, and scheduling.

Digital Application

Sign, upload, and eSign from your phone.

Bank-Grade Security

256-bit encryption on every document.

Personalized Guidance

Dedicated concierge from apply to close.

The Loan Process

Seven steps to keys in hand.

A guided path from application to closing — no surprises, no jargon.

  1. 1
    Step 1
    Apply
  2. 2
    Step 2
    Pre-Approval
  3. 3
    Step 3
    Documentation
  4. 4
    Step 4
    Processing
  5. 5
    Step 5
    Underwriting
  6. 6
    Step 6
    Clear to Close
  7. 7
    Step 7
    Closing
Client Stories

Loved by families & investors.

4.9 · 2,400+ Google reviews
"Closed in 19 days. The AI assistant answered questions at midnight when we were freaking out. Total game-changer."
Marcus & Sarah T.
First-Time Buyers
"DSCR program qualified me on the property, not my W-2. I've closed three rentals through Evergreen this year."
Priya K.
Real Estate Investor · 12 doors
"Dropped my rate 1.375% and pulled $65k for renovations. Whole thing was digital. Wildly smooth."
James R.
Refinance
"We felt guided every step. Low down payment, competitive rate, and our LO called back within an hour every time."
The Alvarez Family
First-Time Buyers · FHA
Meet the Team

Your local experts.

Licensed loan officers, processors, and concierge support — a human on every file.

LB
Investor specialist
Logan Bennett
Sr. Loan Officer · NMLS 102938
AC
First-time buyers
Amelia Chen
Loan Officer · NMLS 220145
MR
Purchase
Marcus Reyes
FHA & Jumbo Specialist
JP
Fast closes
Julia Park
Head of Processing
Free Resources

Guides that pay for themselves.

View library
24 pages · PDF
First-Time Homebuyer Guide
1 page · PDF
Mortgage Checklist
18 pages · PDF
Refinance Guide
32 pages · PDF
Investor Playbook
28 pages · PDF
Fix & Flip Blueprint
16 pages · PDF
DSCR Loan Guide
AI Automation

An AI concierge that never sleeps.

Our assistant qualifies leads, scores prospects, recommends loan products, schedules appointments, sends reminders, collects documents, and triggers CRM workflows — automatically.

  • Lead scoring
  • Instant scheduling
  • Document collection
  • Personalized offers
Hi! I'm Evergreen AI 🌲. What are you looking to finance?
A rental property in Austin. Need DSCR options.
Perfect. With a DSCR of 1.15+ you'd qualify for 80% LTV at ~7.25%. Want a soft quote in 60 seconds?
Yes please.
Sending your soft quote + scheduling a 15-min call with Logan for 3:30pm. ✅
Ready when you are

Your next chapter is one application away.

Soft-credit pre-approval in minutes. No obligation, no cost, no pressure.

CallApply Now