Business Details
Your Trusted Mortgage Partner in Sacramento
At Evans Mortgage Co, we prioritize quality customer service and bring extensive expertise to the residential lending industry. Our team specializes in guiding clients through purchase, refinance, and specialized loan programs, ensuring a stress-free experience even under tight deadlines. We pride ourselves on personalized consultations, quick response times, and local market knowledge. Our clients consistently highlight our professionalism, transparency, and ability to deliver competitive offers tailored to individual needs. With decades of combined experience, we remain committed to helping clients achieve their homeownership goals efficiently and confidently. Services
Conventional Loans
FHA Loans
Refinance Loans
VA Loans
Reverse Mortgages
USDA Loans
Highlights and features
- Experienced team with local Sacramento market expertise
- Quick response times, including weekends and evenings
- Personalized loan consultations with competitive offers
- Proven track record since 1995 with repeat clients
- Streamlined processes for time-sensitive transactions
What people say
Stress free process
Quick to respond
Best loan program
Local expertise
Reliable support
Services
Conventional Loans
Conventional loans offer flexible terms for qualified borrowers seeking standard mortgage financing. These loans require private mortgage insurance for down payments under 20% but provide competitive rates without government backing. Ideal for buyers with strong credit histories and stable income documentation.
FHA Loans
FHA loans provide low-down-payment options insured by the Federal Housing Administration. Designed for first-time buyers with minimum 580 credit scores, these mortgages allow 3.5% down payments with more lenient qualification requirements compared to conventional loans.
Refinance Loans
Refinance loans help homeowners lower monthly payments, reduce interest rates, or access home equity. Our team evaluates current mortgage terms against market conditions to determine optimal refinancing opportunities for long-term savings.
VA Loans
VA loans provide zero-down-payment options for eligible military personnel and veterans. Backed by the Department of Veterans Affairs, these mortgages offer competitive rates with no private mortgage insurance requirements for qualified applicants.
USDA Loans
USDA loans offer 100% financing for homes in designated rural areas. These government-backed mortgages require no down payment and include income eligibility requirements to support homeownership in qualifying communities.
People
Mark Walike
Mortgage Loan Officer
With over 15 years of experience, Mark specializes in first-time homebuyer programs and complex loan scenarios. He maintains a 98% client satisfaction rate through transparent communication and personalized mortgage solutions.
Trina
Refinance Specialist
Trina focuses on mortgage refinancing opportunities, consistently securing competitive rates for clients. Her local expertise helps Sacramento homeowners reduce monthly payments while maintaining favorable loan terms.
Marcia
Loan Processing Manager
Marcia oversees the loan documentation process, ensuring accurate and timely submission of mortgage packages. Her team maintains a 95% on-time closing rate through meticulous attention to detail.
Questions
What loan programs do you offer?
We provide Conventional, FHA, VA, USDA, and Reverse Mortgage options to meet diverse homeownership needs across the Sacramento region.
How quickly can you process a mortgage application?
Most applications complete within 30-45 days, with expedited options available for time-sensitive transactions through our priority processing system.
Do you offer online loan applications?
Yes, our secure online portal allows complete mortgage applications with document upload capabilities for convenient, 24/7 access.
Can you help with bad credit mortgages?
Our FHA loan specialists work with borrowers having credit scores as low as 500, providing pathways to homeownership with proper financial documentation.
What areas do you serve?
We primarily serve Sacramento County and surrounding areas including Citrus Heights, Roseville, and Elk Grove with local loan expertise.
