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Refinance Loans
Refinancing your primary residence, second home or investment property is an excellent way to take advantage of today's low interest rates. Evergreen Home Loans offers a full range of refinance mortgage options that give homeowners the flexibility to lower their payments or take cash out to finance the things they want to buy.
We offer financing for single family residences and 1- to 4-unit properties. We offer a wide selection of fixed or adjustable rate loans, for amounts up to $2 million.
Learn the basics of your mortgage financing options:
Fixed Rate Mortgages
• Conventional 30, 25, 20, or 15 Year Fixed Rate Loans
• FHA Low Down Payment Loan
• VA No Down Payment Loan
Adjustable Rate Mortgages (ARMs)
• Fixed Period ARM
Other Options
• Jumbo Mortgages
Fixed Rate Mortgages
Conventional 30, 25, 20, or 15 Year Fixed Rate Loans
This is your basic mortgage program. Homebuyers make a predictable, fixed mortgage payment consisting of principal and interest, which fully repays the loan by the end of the loan term.
This loan program minimizes the amount of down payment you make.
This program allows you to finance the cost of your entire home purchase. You may even be able to finance your closing costs.
Adjustable Rate Mortgages (ARMs)
The initial rate for this loan program is fixed for the first 3, 5, or 7 years. After the initial fixed period, it adjusts annually to correspond to a leading financial index, such as the 1-Year US Treasury Index. The amount the interest rate can adjust is limited both over a specific period of time and during the entire life of the loan.
Other Options
This group of loan programs is designed for homebuyers needing to borrow more than the conventional limits set by Fannie Mae and Freddie Mac.
• Loan-to-Values greater than 80% (FHA Low-Down Payment).
• VA No (Ratio) Downpayment Loans.
• Second Homes, Investment Properties, Condominiums.
• Interest Only (for the lowest payment possible)
Evergreen Home Loans and Evergreen Moneysource Mortgage Company are Equal Housing Lenders. Evergreen Home Loans is a trade name of Evergreen Moneysource Mortgage Company © 2008 - 2009 Evergreen Home Loans. Trade/service marks are the property of Evergreen Home Loans and/or its subsidiaries. All rights reserved. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply.