855 Ridge Lake Boulevard
Suite 210
Memphis, TN 38120

Office: 901.260.1480

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Market Manager

Chad Irwin

Market Manager

NMLS#: 1065868

Office: 901.259.0021

Tim Atchley

Senior Home Loan Advisor

NMLS#: 757323

Office: 901.260.1458

Vanessa Bintz

Senior Home Loan Advisor

NMLS#: 121078

Office: 901.490.3012

Shelly Boxx

Home Loan Advisor

NMLS#: 2130152

Office: 901.338.5490

Mike Byars

Senior Home Loan Advisor

NMLS#: 84673

Office: 901.969.2053

Colby Dorris

Home Loan Advisor

NMLS#: 1905924

Office: 901.259.0768

Phyllis Gooch

Senior Home Loan Advisor

NMLS#: 92636

Office: 901.969.2505

Ryan Guess

Senior Home Loan Advisor, Strategic Growth Manager

NMLS#: 70442

Office: 901.461.7215

Jeff Hay

Home Loan Advisor

NMLS#: 82215

Office: 901.483.4572

Michele Murgatroyd

Home Loan Advisor

NMLS#: 2030842

Office: 901.359.1010

Autumn Taylor

Home Loan Advisor

NMLS#: 2475665

Office: 901.499.8818

John Wright

Senior Home Loan Advisor

NMLS#: 188384

Office: 901.849.3584



Welcome to our website, and congratulations on taking the first step to buying or refinancing your home. We look forward to putting our expertise and mortgage services to work for you!

Whether you are buying your first home, or you have gone through the process a few times already, this is a big life step. Buying a home is a considerable commitment, and we are proud to work with you. We are ready to offer you excellent mortgage rates and a range of home loan options for buying a house in Memphis.

We have more than 95 years of service to the Memphis community. Our name has changed a few times over the years, but our dedication to Memphis residents remains constant. We are ready to help you achieve your dream of becoming a Memphis homeowner.

With Evolve Bank & Trust you’re in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Chad Irwin is the leader of our mortgage department. When you are ready to learn about mortgage rates or apply for home loans in Memphis, you may interact with the other members of our team.

Memphis Mortgage Services

We offer mortgage loans and refinancing in Memphis. If you are already a homeowner and have an adjustable-rate mortgage and want to change it to a fixed-rate loan, we can help. If you need to refinance to a different length of loan, our loan officers can meet with you and discuss some options.

Each person’s situation is different, which is why we offer a range of home loan options in Memphis.

You have different options for mortgage loans and refinancing in the area. You can get adjustable monthly payment mortgage rates, Fannie Mae conventional loans, cash-out refinance programs and many others listed below.

Competitively Priced Loan Programs:

  • First Time Home Buyers
  • Refinance
  • Purchase
  • Jumbo
  • Renovation Loans
  • Conventional Loans (Fannie Mae and Freddie Mac)
  • DPA (Down Payment Assistance) Programs
  • Medical Professionals
  • Veterans – VA
  • FHA (Federal Housing Administration)
  • USDA (United States Department of Agriculture)

We’re here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.