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:


Review Source

star star star star star_border

edward mosshart Bainbridge Island, WA

We felt a very personal connection, felt supported and when things got tricky, Cindy was there to walk through the process with us.

9 months ago

star star star star star_border

Dawa Dukpa Portland, OR

Very good did all virtually, bought new home and especially thanks to Kristin and her team made easy for us to get the property

9 months ago