Evergreen Home Loans

Well, this company really destroyed my faith in the mortgage industry. I contacted them several weeks ago about acquiring a VA home loan. When I spoke with the initial person, they didn’t know what they were talking about in regards to VA loans and when I confronted her about it, she flat out lied. Well I came to Unilocal and wrote a review and reported what had happened. I also made it a point to share my experience with the president of the company, Don Burton. Well the next day I get a call from Mr. Burton explaining that the person was misinformed and how the regulations concerning VA loans is sometimes confusing. He told me that if I applied with them, he would personally follow the application to make sure it was handled properly. I was hesitant at first because I have been trying to get a loan for over a year but because of a short sale that is still showing up on my credit report, no one wants to touch me. He assured me that he would try his best to get me approved and if not he would find a way to advise me on what I could do. (this last part should have been a BIG RED flag) I was still nervous but hey, he IS the president of the company. I am sure that has SOME pull. And for a while, I felt pretty good, I felt that someone actually cared and things might work out. I started looking at houses, telling my autistic children that soon we would have a yard for them to play in and I could finally move out of my overpriced rental and into our forever home.
A couple of days later I get a call from Don. Apparently he was worried about my Unilocal/​Facebook reviews and asked if I was trying to defame them. I felt a little bad so I agreed to remove the negative reviews. I even went as far as giving them a positive review. (I now regret removing those reviews as they apparently were incredibly accurate) He told me that he is handing my file off to Donna Young, who he chose personally and who would show the same care to get this done. He then proceeds to tell me, in no uncertain terms, that it was up to the underwriters. And that should have been BIG RED flag #2. You are the president of the company, and yet your underwriters can say no to you? What’s the point of being the president of the company?
I took that with a grain of salt, and I got a lump in my throat because it looked as though I was going to get another refusal. Well after about a week of giving them EVERY piece of information about me, I get a voicemail from Donna saying the underwriters said no. I then got the denial letter which was incomplete and not very informative as to why they came to this decision.
The mortgage industry screwed me pretty bad in 2004 by sticking me in an ARM mortgage, which adjusted while I was deployed and doubled my mortgage payment and basically forced me into bankruptcy and a short sale. I should have learned my lesson then. But I didn’t.
But now I have, Evergreen and all other mortgage companies don’t care about you or anyone but their own profit margins. I told Don that this was going to be the last time I applied with anyone because I was so fed up with getting lied to, and getting denied. I am sure Don and Donna will have a great time in their homes that probably had NO problem getting underwriter approval, since they work there and all. And they will enjoy this summer watching their kids or grandkids play in their spacious backyards while a combat veteran has to tell his kids that they will have to continue playing in the postage-​stamp sized backyard they currently have. The mortgage industry is filled with nothing but snake-​oil salesman, liars, and all around A-​holes. And Evergreen tops that list.
Evergreen, thanks for putting another dent in my credit and lying to me. They are YOUR underwriters but they can tell you no? You should be ashamed of yourselves.

This company has terrible attention to detail, terrible follow-​through and terrible customer service. In the year and a half that they have had our mortgage, they have messed up every homeowners insurance payment and property tax payment. After the first tax payment was paid incorrectly last year, they assured us that it would not happen again, but then this year they completely forgot to make the payment at all! We used them because our favorite mortgage broker worked for them at the time, but never again! From the call center on up, we have not found one person who is competent or customer service oriented.
I am giving them one star only because the system will not let me post without at least one star.

LO’s. I worked for Evergreen for 4 years and overall a good experience unless you leave. Read your Contract closely and watch your back. Because they will not pay you on your loans unless they absolutely have two. I was not paid commissions on 2 loans that closed within 10 days of me leaving. I made several attempts to discuss with Don Burton but all efforts were completely Ignored.

We just finished rolling all our debt into a 30yr fixed. Our loan officer was David Sharp at Evergreen Home Loans and to make the obvious, yet accurate pun… the man is sharp! He’s been in the loan business a long time and knows the ropes. In fact his entire team that we worked with were flawless. All our questions and concerns were addressed quickly and to our satisfaction. There are plenty of hoops to jump through with a home loan but David and his team walked us confidently through them all. This is our 2^nd time working with David, and I wouldn’t hesitate recommending him for help obtaining a loan. Thanks, to David and all the support staff at Evergreen Home Loans.

My wife and I worked with Ginny Lee at Evergreen on the recommendation of our Realtor, from day 1 Ginny was responsive and helpful with quick and easy communication. From a painless pre-​approval process to answering her cell phone while on vacation while we were signing the docs I couldn’t have asked for a better Mortgage Broker. Thanks Ginny.