Buy your new home, all under one roof.

It is no secret that buying a home can be complicated and accompanied by seemingly endless paperwork. That’s why we established a dedicated Mortgage Services Division, one that— unlike many mortgage firms— will originate, process, underwrite and close your mortgage in-house.

A strong emphasis on residential lending allows Evolve to identify the best programs and rates available in today’s market on a timely basis while making available most residential loan programs – including FHA, VA, USDA, Jumbo and conventional loans. Our mortgage professionals will identify financial solutions which are best suited for your situation. With a national network of loan production offices, Evolve possesses extensive knowledge of the mortgage industry and mortgage specialists who will understand the uniqueness of your situation, allowing us to provide you with the most personalized and comprehensive services available.

What Types of Mortgage Programs Does Evolve Bank & Trust Offer?
  • Federal Housing Administration (FHA)
  • Veterans Affairs (VA)
  • Fannie Mae Conforming
  • Freddie Mac Conforming
  • Jumbo Non-Conforming
  • Rural Development
  • State Bond Programs
  • Federal Home Loan Bank Homebuyer Equity Leverage Partnership (HELP) Program
  • Home Equity Lines of Credit (HELOC)
  • Reverse Mortgages

Benefits of Our Mortgage Programs

Our mortgage programs come with the benefit of originating, processing, and underwriting in-house. The average approval process requires an abundance of paperwork partially because of the various channels that your application must go through before finalization is complete. There is always the possibility of your request for financing being denied at any time during the weeks leading up to the closing, which means that you may need to seek elsewhere for funding for your new home. Sometimes, rejection is due to a lack of communication between all of those involved. You, in other words, may have to suffer for the mistakes of others.

Our process is detailed and straightforward. The aim is to get you in your home as soon as possible without having to ask you to re-submit documents several times over before finalizing approval. Our in-house mortgage loan process comes with the benefit of efficiency, rapidity, and more simplicity than the average lender.

What affordability options do I have for mortgages?

There are several options for mortgages available to both first-time and repeat home buyers. The Federal Housing Administration (FHA), in particular, has a rather appealing option for new homeowners that includes relatively low interest rates and a low down payment. There are also favorable choices for service men and women through the Veteran Affairs (VA) program with no down payment.

The interest rate, amount of financing, and overall affordability of your loan are largely dependent on your credit score and income. It is best to establish a budget that includes how much you can afford in monthly payments before attempting to obtain approval for a mortgage or searching the market for potential homes.

Whether you are a first-time home buyer or wish to refinance an existing mortgage on your current home, the mortgage team at Evolve Bank & Trust is here to help. Contact us today to apply for a mortgage with an easy, straight forward process and a competitive interest rate.


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Evolve Bank & Trust Home Loan Centers (HLCs) are not full service branch locations of Evolve Bank & Trust. These HLCs do not engage in general banking transactions, such as deposits or payments, and only provide Residential Mortgage Loans. Equal Housing Lender. All loans subject to credit approval. Corporate NMLS# 509256

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