Lower My Rate

By lowering your interest rate, you can lower your payment which gives you a little more freedom to do other things with your mortgage. Many of our clients will take the savings from refinancing and actually pay more to the principle on their mortgage which pays your home off faster. Either way, you are saving money which everyone loves. Rates are at an all time low so take advantage of them while you can. If you would like to see if you qualify for a lower rate and payment, please click here to find a branch near you.

Payoff Debts

Taking control of your debts by including them in a refinance can save you a lot of money, interest and give you some piece of mind by lowering your overall monthly payments. Unlike credit cards, mortgage interest is tax deductible. Mortgage interest rates are low so it’s a great time to consolidate other debt into your mortgage and take advantage of the equity you may have in your home. If you would like to see if you qualify for a debt consolidation, please click here to find a branch near you.

I think I’m upside down

If this is what you are thinking, then you have come to the right place. We are currently offering solutions to lowering your interest rate and payment if you are “underwater” or upside down in your mortgage meaning you owe more on your house than what it will appraise for. This loan program is often referred to as the H.A.R.P loan which is an acronym for Home Affordable Refinance Program. Many homeowners don’t even know they qualify for this type of loan because they don’t think Fannie Mae or Freddie Mac own their mortgage. It’s important that you talk to an experienced loan officer who knows the ins and outs to this program which is why you have come to right place. Evergreen Home Loans only hires experienced and licensed Loan Officers who do mortgages and only mortgages. If you would like to find out if you qualify for the HARP program, please click here to find a branch and licensed loan officer near you.