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Evergreen Home Loans is licensed to lend in the following states: WA, OR, ID, CA, AK, NV, AZ. They offer a full complement of loans: government based FHA, VA, HARP Refinances and USDA loans, conventional and jumbo loans, construction loans, cash-out refinance loans, rate/term and first-time homebuyer programs. Evergreen Home Loan is Fannie Mae, Freddie Mac and Ginnie Mae approved. We also broker loans giving our customers a much wider net from which to choose. In addition, our homebuyer seminars are offered throughout our local communities,

Evergreen’s Digital Tools

Evergreen provides 6 different online calculators serve as helpful tools during the mortgage process. Payment/Amortization: calculate your monthly payment and see how the principal is paid over time.  Rent vs. own: calculate the difference between renting and buying a home. Debt Consolidation: determine if you can consolidate your debt by combining it with your home mortgage. Prepayment Savings: find out how soon you can pay off your mortgage by making a prepayment. Early Payoff: determine the additional monthly payment amount needed to pay off the loan sooner. Refinance Break-Even Point: find out how long it will take to “break-even” on a refinanced loan. They also provide some educational material to help especially first time home buyers some basic information and cautionary suggestions.

Sketchy Information with Little Value

Right underneath all of the calculators they provide is a disconcerting note about the accuracy of their calculators: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. In fact there is very little chance that it is reflective of your personal situation. They then warn that you should be sure to consult a financial professional prior to relying on the results. They then repeat that the calculators don’t reflect your actual interest rate, points, or any other condition of the contract.