Last Updated: 04/18/2025
Evergreen Home Loans Mortgage Refinance
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Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
Up to $1,500,000
Loan Term (Years)
15 - 30
Evergreen Home Loans Mortgage Refinance Review
Evergreen Home Loans Mortgage Refinance is offered by Evergreen Home Loans (NMLS #3182), a direct lender founded in 1987 and based in Bellevue, WA. Evergreen Home Loans are available in 7 states.
Key Takeaways
- Wide selection of mortgage programs offered. Evergreen Home Loans Mortgage Refinance refinances FHA, FHA 203k, USDA, VA, conforming, and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Non-standard interest rates available. Evergreen Home Loans Mortgage Refinance only offers hybrid mortgages.
- Considers personal use and investment properties. Refinancing available for primary residences, secondary homes (e.g. vacation properties), and even investment homes such as rentals.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Evergreen Home Loans Mortgage Refinance Pros & Cons
| Pros | Cons |
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Evergreen Home Loans Mortgage Refinance FAQ
What is the maximum loan term for a mortgage refinance via Evergreen Home Loans?
The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Evergreen Home Loans Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.
How long does Evergreen Home Loans take to refinance?
Evergreen Home Loans does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.Does Evergreen Home Loans charge a mortgage origination fee?
Yes, Evergreen Home Loans Mortgage Refinance will charge a loan origination fee .
What mortgage programs does Evergreen Home Loans offer?
Evergreen Home Loans Mortgage Refinance offers the following mortgage types:
- Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
- FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- FHA 203k: An FHA mortgage you can also use to finance home improvements.
- USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
- VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.
What property usage types does Evergreen Home Loans allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Evergreen Home Loans Mortgage Refinance allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed