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  • We used Scott Reynolds from Evergreen Home Loans. Mortgages are very complicated and unless you have some experience it is easy to get taken advantage of. In the initial financial discussions, Scott pulls your personal financial information from you and basically figures out how much he can squeeze out of you in "loan origination and doc fees". He fails to mention the interest rate and plays dumb about it until further conversations. Within a couple of weeks after closing, Evergreen sends about 3-4 different insurance products to upsell you and make more profit... all the while they already sold your mortgage to Wells Fargo. I would look elsewhere for a mortgage unless this is the only company that will approve you.
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