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Financing Non-Qualified Mortgage Secondary Financing
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Home
Who We Are

Mortgage Evolution
Meet The Team
Client Reviews
What We Do

Purchase
Refinance
Other Financing
A Quality Pre-Approval Process
Quality Loan Estimates
How We Can Help

Home Purchase Process
Home Refinance Process
First-Time Home Buyers
Fresh Start Buyers
Credit Education
Loan Programs

Loan Programs
Conforming
FHA Financing
VA Financing
First-Time Home Buyer
Jumbo Financing
Non-Qualified Mortgage
Secondary Financing

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Careers
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A PLACE FOR US TO MAKE OUR OWN MEMORIES

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Take the Next Step to Owning Your Dream!

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WELCOME TO MORTGAGE EVOLUTION



Our lives evolve and our needs change. We feel you deserve a mortgage team that
truly knows what exceptional customer service entails; a friendly group of
hard-working people who care about you, your goals and your priorities. The
business of obtaining a loan evolves, as well, and has become more complex. With
Mortgage Evolution, you get a team of friendly professionals with advanced
expertise on the latest and greatest the mortgage industry has to offer; and who
will take pleasure in being your close guide along the way. Whether purchasing a
home or refinancing an existing home, welcome, and thank you for giving us the
opportunity to serve you.

Find Out Who We Are
Purchase


Ready to purchase a home? Let us help you get educated and prepared. With us,
you will learn all loan options available to you.

Purchasing Information
Refinance


Refinancing can be a great financial move. We are experts at helping home owners
weigh the pros and cons of the refinance options available.

Refinancing Information
Other Financing


Sometimes, non-conventional solutions are needed to get the job done.

More Financing Options
"Our experience with Mortgage Evolution was flawless! They were accurate, kind,
helpful, and super communicative!"
- Angela H. | Lincoln

"I sent hundreds of e-mails to them and they were always promptly answered. You
simply cannot get this type of customer service anymore."
-Matthew C. | Rancho Murrieta

"They were straightforward, so informative, happy to explain anything I asked
about, and a pleasure to work with."
-Jessica G. | Sacramento

"Their industry knowledge was extensive, time saving and incredibly helpful.
This was our 3rd home purchase and first time using Mortgage Evolution. What a
difference! "
-Tawny H. | Roseville

"There won't be any surprises with your purchase when these guys are steering
the boat. If I could give them more stars, I would!"
-Donovan B. | Elk Grove

"We have bought and sold a few homes over the past several years and Mortgage
Evolution was BY FAR the best and easiest mortgage company we have EVER worked
with."
-Darin & Jill D. | Cameron Park

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FIRST-TIME HOME BUYERS

Purchasing your first home is a thrilling time in one’s life and a great
accomplishment. But it can also be stressful and filled with insecurities. We
understand those feelings and a primary focus of ours is to alleviate those
worries with education and high availability. We have a vast array of loan
programs, great interest rates and most of all, we’ll be with you every step of
the way.

More Information


FRESH START HOME BUYERS

"Life" touches us all at one point or another, doesn’t it? We’re in a unique
time where an unprecedented number of people were hit hard in recent years. We
want you to know that many of our "re-entry" clients did not feel they could get
approved when they first came to us. We wonder how many never even reached out.
If you want to own again, but are concerned over your past bankruptcy, short
sale, foreclosure, or tax debt, give us a try. You may be closer than you think
and if you are not quite ready, that’s ok; we will work with you towards a plan
and remain by your side until your day comes. And it will come.

More Information


CONFORMING FINANCING

Conforming financing is more flexible than many think and does not need to be
thought of as the loan program for those who are “perfect”. Being a division of
one of the largest mortgage lenders provides us an opportunity to underwrite
conforming loans without a lot of extra restrictions. This allows us to qualify
a higher percentage of buyers while remaining competitive with interest rates
and loan terms.

More Information


LOANS FOR VETERANS

For qualified Veterans, there is no better loan than the VA loan. No down
payment requirement, no mortgage insurance requirements, incredible interest
rates, and flexible guidelines make this the loan program of choice for our
freedom guardians.

More Information


FHA FINANCING

FHA financing options are a perfect fit for many buyers who need the additional
credit and/or debt ratio flexibilities not available with conforming financing.
In many circumstances, FHA’s interest rates are lower than conforming interest
rates. A little-known fact is that FHA in available to those with previous home
ownership experience, not just to first-time home buyers.

More Information


JUMBO FINANCING

A Jumbo loan refers to loan amounts that exceed a county’s high-balance
conforming loan limit. Jumbo loan guidelines are the most complex and demanding
of all loan programs which an experienced lender, with good technical knowledge
and pro-active transaction management. Each of us at Mortgage Evolution knows
how to navigate the tough terrain of Jumbo financing while providing competitive
loan terms.

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A QUALITY PRE-APPROVAL PROCESS

One of the best feelings you can have during your home buying experience is the
confidence of knowing you are truly approved, with nothing lurking around the
corner. There are no short cuts to the path of a truly solid pre-approval for
your unique loan file. Regardless of the complexities that may exist, you
deserve a quality pre-approval, and we have the know-how and systematic process
to ensure you get exactly that.

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QUALITY LOAN ESTIMATES

We believe, whether you are buying a home or refinancing a home, you should be
able to count on our loan estimates. We utilize a proprietary system along with
our experience and expertise to ensure completeness and accuracy of our loan
estimates.

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HOME PURCHASE PROCESS

It is so important to us that our clients feel their experience with us was
smooth, orderly, communicative and timely. We have found that our clients
appreciate our display of all available loan options along with relevant
education about the process and what to expect. Click below for more detail on
the home buying process and reach out to us with any questions or education
you’d like on this important topic.

More Information


CREDIT EDUCATION

Did you know the mortgage industry uses a completely different scoring model
than the model used for Consumer Credit Reports that you may subscribe to? This
can cause variances in the credit scores you see versus a Mortgage Credit
Report. When planning for a home purchase or taking a course of action to
improve your credit, it’s important to know your mortgage credit score as well
as the dos and don’ts. Unfortunately, many buyers make moves that seem like a
good idea at the time, unaware of the negative consequences where mortgage
qualification is concerned. We would be more than happy to review your Mortgage
Credit Report with you so can be assured you are doing the right things.

More Information


TAKE THE NEXT STEP

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Mortgage Evolution Inc 2023 |
3017 Douglas Blvd., Suite 240,
Roseville, CA 95661
©2023 Mortgage Evolution Inc, Real Estate Broker Licensed by the California
Department of Real Estate
| DRE #02218172 | NMLS ID #2493218
| Equal Housing Opportunity
For licensing information, go to: nmlsconsumeraccess.org

Questions, Comments, Concerns?
Send to: managers@mtgevolution.com Other Links:
nmlsconsumeraccess.org

This is not a commitment to lend. Prices and guidelines are subject to change
without notice. Some products may not be available in all states. Subject to
review of credit and/or collateral; not all applicants will qualify for
financing.
It is important to make an informed decision when selecting and using a loan
product; make sure to compare loan types when making a financing decision.
This website is run by Mortgage Evolution. Materials on this site were not
provided by HUD or FHA. This website has not been approved by FHA or any
Government Agency.

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Joseph Arent
President
Sr. Mortgage Consultant
NMLS 108506
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Nicholas Hook
Senior Mortgage Consultant
NMLS 236200
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