Evergreen issued a pre-approval letter after I submitted all of my financials. A month later after I entered escrow on a property, they said I wasn't pre-approved. I left 3 messages for the Originations manager and never received one call back. They are very unprofessional and incompetent at least at the Las Vegas office. I went to Bank of England on Sahara in LV and they pre-approved the loan, re-assured the seller that it was a strong pre-approval and funded within their expected timeframe. I'm a mortgage consultant myself and still don't know why Evergreen pulled out when I was in escrow. On top of that I never received a decline letter from them which is against mortgage regulations.