Se Habla Español Evelyn Morgan has been in the finance and lending industry for over 20 years. Her entire focus is on building a relationship of trust, providing full transparency in the mortgage process, and being a comprehensive resource to her clients and referral partners. Evelyn will listen to the needs of her clients and provide solutions that fit within their overall financial objectives. Evelyn’s goal is to help her clients create not just another financial obligation but also create financial wealth. Evelyn believes that purchasing a home should be an exciting experience for everyone, and because of this she likes to inject her vivacious personality--and a little fun--into every loan process. Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección.
"I gave this rating to Guaranteed rate because, they were alert and consistent with our home buying experience. Their services were vital for us to close on our house, and it was comforting that they informed us moment by moment on the information needed by us, as well as where we were with our home closing. I really appreciate the work they all put into our home closing."
Len N. - Copperas Cove TX | Oct 2022
"Our team went above and beyond to make sure we got our home. I wouldn’t recommend anyone else."
Nicholas B. - Killeen TX | Sep 2022
"Because everyone had my back and tried their hardest to get me to where I’m at now"
Schirrod R. - Killeen TX | Sep 2022
"Evelyn and her staff went above and beyond to ensure my closing process went smoothly and I was comfortable with the home I was purchasing."
Ami F. - Patterson CA | Aug 2022
"We had an amazing mortgage team that broke things down in detail and worked hard to get us the home of our dreams."
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.
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.