Evelyn Freitas
VP of Mortgage Lending

I have been a mortgage lender since 2004, entering the profession after 18 years in small business management and accounting. I immediately fell in love with the work of helping people achieve their financing and family goals through home ownership and realized that the skills I had developed in my previous career found a higher expression in the service of these goals. By utilizing a results-focused approach, I’m able to find resourceful and tailored solutions for my clients and help them pick the best option for themselves. My clients are confident and secure in their choices because of the education they receive throughout the entire loan process. As a result, nearly all my business is generated through referrals. I am a Bay Area native, the granddaughter of Spanish immigrants from the province of Granada. I grew up in a home designed and built by my grandparents, where my grandmother would say that she attributed our family’s success to the fact that we owned our own home. Having grown up as a farm worker, she reveled in the freedom and independence of owning a home that served as a place of safety and sanctuary as well as a home base for our family, where we could put down roots, entertain friends and family, and create the kind of lives we wanted. This sense of the importance of having a home of one’s own is one of the many things she passed down to me. I graduated from UC Berkeley with a B.A. in Humanities and have since continued my education independently. I am connected to my community, volunteering at local food banks and serving as a volunteer and committee member for STAND! For Families Free of Violence. I also take an active role in my business and professional community, where I am a member of the Oakland Berkeley Association of Realtors (OBAR), the California Association of Mortgage Professionals (CAMP), and Business Network International (BNI). My involvement with the business community allows me to connect my clients with excellent professionals in other areas when they are looking for services or help. I currently live in Pinole and love to spend time outdoors, hiking with my friends and my dogs on local trails and taking in the natural beauty of the Bay Area. I’m looking forward to hearing from you and learning how I can help you best.

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.