Mortgage Solutions

Mortgage solutions designed to meet your homeownership goals with flexible options, competitive rates, and personalized support.

Finding the right mortgage shouldn’t be overwhelming. Whether you’re buying your first home, upgrading, refinancing, or renovating, Evolve Bank & Trust provides tailored mortgage solutions designed to fit your financial needs. With expert guidance, competitive mortgage rates, and a seamless loan process, we help you secure the best home mortgages with confidence.

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WHO WE ARE

A smarter approach to home financing and the right mortgage strategy is key to achieving your homeownership goals.

Evolve’s Mortgage Solutions offer a wide range of loan options, including conventional mortgages, government-backed loans, and renovation financing, so you can find the right fit for your budget and future plans. We work with you to navigate interest rates, down payment assistance programs, and financing options that maximize your home investment.

Explore Mortgage Options

Choosing the right mortgage is about more than just the interest rate—it’s about finding a solution that meets your financial needs today and in the future.

Family Unloading Furniture From Removal Truck Into New Home

For homebuyers looking for flexibility, conventional loans offer competitive mortgage prices, low interest rates, and the potential to avoid private mortgage insurance (PMI) with a 20% down payment. Ideal for buyers with strong credit who want predictable monthly payments and lower overall costs.

Designed for veterans, active-duty service members, and eligible military families, VA loans offer benefits like zero down payment, no PMI, and lower mortgage rates. These loans make homeownership more accessible while keeping monthly payments manageable.

For buyers with limited savings or credit challenges, government-backed loans provide affordable pathways to homeownership. FHA loans offer low down payment options and flexible credit requirements, while USDA loans support rural and suburban buyers with 100% financing.

Benefits of Evolve’s Mortgage Solutions

Why Choose Evolve? Smart, flexible financing designed for today’s homebuyers.

  • Competitive current mortgage rates
  • Expert guidance on mortgage strategy
  • Flexible loan terms for home mortgages
  • Down payment assistance programs available
  • Low-cost conventional mortgages
  • Exclusive benefits for VA loans
  • FHA and USDA loan options for lower credit scores
  • Refinancing solutions to lower mortgage rates
  • Streamlined application and approval process
  • Fast pre-approvals for a stronger buying position
  • Custom financing plans tailored to your needs
  • Dedicated support from experienced specialists
  • Access to local and national loan programs
  • Low closing costs and transparent prices
  • Personalized recommendations for best mortgages

Mortgage Solutions to Explore

Understanding your mortgage options helps you make smarter financial decisions. Check out these considerations.

Fixed-Rate vs. Adjustable-Rate Mortgages (ARMs)

Fixed-rate loans provide predictable payments, while ARMs offer lower initial rates that adjust over time. We help you choose the best option based on your long-term goals.

First-Time Homebuyer Programs

Exclusive loan programs and financial assistance options help first-time buyers secure home financing with low down payments and reduced mortgage insurance costs.

Refinancing & Equity Loans

Lower your interest rate, adjust loan terms, or tap into home equity with refinancing and loan options designed to enhance your financial flexibility.

Mortgage FAQ's

Pre-qualification is an initial assessment of your financial situation to estimate how much you may borrow, while pre-approval is a more in-depth review, requiring documentation and credit checks, giving you a conditional loan commitment.

The minimum down payment for a mortgage depends on the loan type. Conventional loans typically require at least 3-5%, while FHA loans need 3.5%. VA and USDA loans offer 0% down options for eligible buyers. A higher down payment can lower monthly payments and eliminate private mortgage insurance (PMI). Lenders may also have specific requirements based on credit scores and debt-to-income ratios.

Interest rates determine how much you pay to borrow money for your mortgage. A lower rate reduces your monthly payment and the total loan cost, while a higher rate increases both. Rates are influenced by factors like credit score, loan type, and market conditions. Fixed-rate mortgages keep rates stable, while adjustable-rate mortgages (ARMs) can change over time.
Financial advisor talking to a couple about buying a house
THE EVOLVE ADVANTAGE

Smarter Lending. Stronger Results

With Evolve, our advanced technology streamlines the application process, reducing paperwork and speeding up approvals. Our expert support guides you every step of the way, whether you’re buying, refinancing, or investing.

Dedicated Mortgage Solutions Team
With deep industry expertise and a client-first approach, our specialists work closely with you to understand your unique needs and goals. Our team provides personalized guidance and seamless support throughout the entire mortgage process.
Competitive Interest Rates
We leverage cutting-edge technology and strong lender relationships to secure the most competitive interest rates available. With Evolve, you can trust that your mortgage is optimized for long-term savings, giving you more financial flexibility and security.
Proven Results
Our individual approach, personalized service, and strategic partnerships have resulted in consistently positive outcomes. From first-time buyers to seasoned investors, our clients benefit from a process designed to maximize efficiency, savings, and long-term financial success.
Fast, Reliable Service
Our streamlined application process, digital tools, and expert team work together to ensure quick approvals and smooth closings. By eliminating unnecessary delays and paperwork, we make home financing simple and stress-free, so you can focus on what matters—getting home.
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Interested in a Pre-Approval to Get Started?

Contact us to get the process started and you can be in your new home in no time!

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MORTGAGE SOLUTIONS

Related Content

Conventional Home Loans
VA Home Loans
Refinance
Down Payment Assistance
Government Programs
Investment