Evergreen Home Loans Logo

Evergreen Home Loans

star star star star star


Overall Score

error This company may not service all states.
See states serviced
LAST UPDATED: November 22nd, 2022

Evergreen Home Loans is a full-service mortgage lender, providing mortgage financing and refinancing services, as well as options for those building or renovating their home. Evergreen Home Loans serves customers in the following states: 

  • Alaska
  • Arizona
  • California
  • Idaho
  • Nevada
  • Oregon
  • Washington

To streamline the loan process, Evergreen Home Loans offers a variety of calculators to check your mortgage rates, as well as a promise to provide loans on time and without hassle through its Security Plus Seller Guarantee®.

Continue reading for a full review of this company and Evergreen Home Loans reviews from real customers.

Top Ranked Companies


The Good

Security Plus Seller Guarantee®

The Security Plus Seller Guarantee® is a program that puts homebuyers in a strong position to purchase a home and close quickly. The Security Plus Seller Guarantee® gives borrowers a firm loan approval, so sellers feel confident that the home sale will go through.

If the loan does fall through and the borrower can't actually afford the loan, Evergreen Home Loans will pay your seller $2,500. Because of this strong guarantee, sellers will sometimes choose an offer with the Security Plus Seller Guarantee® over another higher-priced offer due to the peace of mind that the loan will go through.

It is rare for a mortgage lender to offer this kind of guarantee. If you are on a tight timeline, or you are a first-time homebuyer, this option could be a competitive advantage for you as you negotiate with sellers.

Construction Loan Options

Evergreen Home Loans offers a diverse selection of loan financing options, including:

  • Fixed-rate loans
  • Adjustable-rate mortgages (ARMs)
  • FHA loans
  • VA loans
  • USDA loans
  • Home construction loans
  • Renovation loans
  • Refinancing loans

While most lenders offer these loan products, it is unique that Evergreen Home Loans offers a renovation loan and home construction loan option. With these loans, you'll only have to pay for one round of closing costs, plus you can pay an interest only monthly payment during the construction period of your new home to have a bit more flexibility.

Digital Mortgage Services

Evergreen Home Loans is dedicated to making the loan process easy, transparent, and secure. It has unique digital services that streamline the loan application and underwriting process, all while providing you with helpful mortgage tools and up-to-date information on your loan.

On the Evergreen Home Loans website you can check your mortgage loan rates and terms with a variety of calculators, allowing you to check your rates, see a loan estimate, and get an idea of the costs and payments involved with your mortgage loan.

Evergreen Home Loans also has a mobile app, through which customers can conveniently view and manage their loan, as well as access tools and resources on the go.

Not all mortgage lenders offer so many digital tools for borrowers. If you value the ease and time saving benefits of technology, then you will enjoy having a bulk of the mortgage process digitized.

However, if you would prefer to speak with a loan officer in person, Evergreen Home Loans has physical office locations in the states that it services.


The Bad

Undisclosed Mortgage Rates

On the Evergreen Home Loans website you won't be able to find any information on mortgage rates and interest rate ranges. Because rates tend to fluctuate often in the industry, it can be difficult for lenders to provide a definitive range, in addition to the fact that the interest rate you would get is dependent upon your personal finances and financial history.

However, some lenders offer a rate range, providing customers with a heads up on what rates they could expect.

Limited Office Locations

Evergreen Home Loans is only available in the following states:

  • Alaska
  • Arizona
  • California
  • Idaho
  • Nevada
  • Oregon
  • Washington

Physical Evergreen Home Loans office locations can be found in each of these states, although some may be limited. However, for California and Washington residents, there is a wide range of office locations, making it easier to find an office near you.


The Bottom Line

Evergreen Home Loans provides several loan options, an offer-strengthening seller guarantee, and great digital services. If you are looking to build a custom home or do some major renovations on your current home, then you will love the unique construction loan and renovation loan that Evergreen Home Loans offers.

However, it is unclear what the credit score requirements are, plus the company does not disclose interest rates prior to loan application when other lenders do. Additionally, Evergreen Home Loans only services seven states.

If you are interested in Evergreen Home Loans, make sure to talk with one of its representatives to see what their customer service is like — with our limited number of Evergreen Home Loans reviews, the quality of customer service is inconclusive.

View Best Mortgage Lenders

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star star star star

103 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star star_half


star star star star star_half


star star star star star_half


star star star star star_half

Filter by:


Sort by:

star star_border star_border star_border star_border

Doglover Valencia, CA

I would give them a zero star if I cut this company is horrible. Make sure to check out the Better Business Bureau reviews there's a lot of complaints on that website. They send me in writing what my payoff is and then tries to tell me that I owed more when I disputed it and got upset then they said oh you're correct we're gonna give you a one time courtesy baloney. The text message said one thing in the customer service rep try to get me for additional monies. I will never ever use this program ever again

9 months ago

Evergreen Home Loans Logo

Reply from Evergreen Home Loans

Thank you for your comments. We take these matters seriously and want to ensure your matter is resolved. However, due to privacy laws we are unable to address your situation in a public forum additionally we are unable to look up your specific account without additional information. If you wish, please email me at [email protected] and I will escalate your concerns to ensure your matters have been addressed. Thank you. Joshua Lyman, Servicing Compliance Manager, Evergreen Home Loans

May. 25th, 2022

star star_border star_border star_border star_border

GR Szolo Newport, OR

Worst mortgage lender company ever. They didn't have knowledge regarding all lending products available, we had to google the products and the loan officer In Depoe Bay Oregon asked US to send him the links! The loan officer and later the manager in Vancouver Washington tried to cover his lack of knowledge in an attempt to explain everything away by claiming "these products change and we can't keep up to date on all the changes". In fact, the clause in question hadn't changed since 2016. Furthermore, they wanted to charge money us for referring us to a different lender . Think I'm just making this stuff up? We filed a complaint with the Consumer Protection Financial Bureau. Instead of reading all the ***wonderful*** reviews posted, try checking out the reviews posted on the Better Business Bureau for a bite of a reality sandwich! I have emails to BACK ALL THESE FACTS! Don't fall prey, there's a zillion better, knowledgeable and professional mortgage brokers out there, you don't need to settle for gross incompetence!!!!

2 years ago

Evergreen Home Loans Logo

Reply from Evergreen Home Loans

Privacy laws prohibit discussing your concerns in a public forum. As you have reported these concerns through other channels, we will be responding through those channels. Best Regards, Christina Pember, Consumer Resolutions Specialist, [email protected], 425-974-8588.

Jan. 15th, 2021

star star_border star_border star_border star_border

Mark Eagle Point, OR

The local office in Medford Oregon is great! It’s a shame that they can’t help clients with customer service problems. The corporate customer service is very poor. The escrow account system is worse. The Recast process was a nightmare. I have a great suggestion; allow the local folks who have earned the confidence of customers to have authority and ability to provide customer service as well after the papers are signed.

3 years ago

star star_border star_border star_border star_border

Ginny Kirsch Bisbee, AZ

This lender (Coeur D'Alene, ID) failed to discover our buyer had outstanding student debt, leading to a last minute delay of TWO weeks while our U Haul was packed and ready, leading to not only a very bad Christmas with an empty house, but expensive & unneccesary truck fees. What are they thinking to not check, of course many buyers will fail to disclose things.

4 years ago

star star_border star_border star_border star_border

Thomas Shelton

We just lost the house of our dreams because of their underwriters and complete lack of communication, disclosure, and foresight during the process. Don't make the mistake of trusting these people.

5 years ago