Evergreen Home Loans Northern California

Pamela was such a wonderful person to work with in getting my home loan. Friendly and professional. I highly recommend her to anyone looking for a home to buy

Pam was so wonderful to work with. She understood the urgency in which we needed to get into our new home and would take my calls whenever & wherever she was. She went the extra mile to get us the best financing by researching all the different resources available. I was in my new home within 30 days. AMAZING !!!

Pam Horn was amazing in helping me with my first home buying experience, she was able to look at my situation and recommend the best loan that will meet my needs and fulfill my dream of owning a home. She was always very prompt in answering my questions when there was part of the loan process I didn’t understand even on her days off or when she’s on vacation. She was very fast in gettin all my paperwork to the underwriter so we could get the loan process done and close on my house as soon as possible. I am very pleased with my first time home buying experience with Pam, I would definitely recommend her and I will be referring her to my friends and family that are looking to buy their own home. Thank you Pam for everything you’ve done to get me and my family into our dream home.

Pamela Horn was extremely helpful in getting our home loan approved so fast. She told us, (my Dad and me), exactly what we needed and where to get it. We wouldn't have been ready with all the information needed without Pam's help.

Thank you,
Linda

It was a pleasure working with Pam to purchase our new ( and first!) home.

From the first time we went into see what we qualified for, to the final closing signatures, she kept us informed, relaxed and was always honest!

Halfway through our escrow process, my dad passed away and I had to leave the state. Pam helped me find ways to continue the process from a far and was so empathetic to the circumstances. She cared.

It’s always wonderful to find someone that eases your concerns, stays honest and true and just really cares about their clients...well, that’s Pam.

Check her out and give her a call!

I’ve worked with Pam on 2 occasions now and each time has been great! She handles all aspects of it and let’s me know when she needs something and also informs me of the processes. I have referred a few friends now who I know will be happy in the end!!

Pam Horn is the best! She is so knowledgeable and walked me through every step of my loan process. She was always available to answer any of my questions via phone, email or even text. Superb customer service! She truly has a heart for helping people and I could not recommend her enough!

Pam did a great job and worked quickly with our realtor to get us into a new home after the Camp Fire. She sent forms electronically and e-mailed back and forth to make sure things were done. Very efficient!!

As soon I was greeted with a smile and a very friendly atmosphere. Pam went the extra mile to help me. Pam has so much knowledge, and was very helpful, answer all my question in a timely matter. I wouldn't hesitate to recommend Evergreen and Pamela Horn, she is a very excellent professional person.

Thanks Jim.

Pam has been absolutely great in helping me get into a new home, actually 2 homes so far. I like many others lost my home in the Camp Fire in Paradise. Pam was on it, and helped me find a new place to call home. Thanks Pam. I would recommend her to anyone.

Working with Pamela was a wonderful experience. She was kind, considerate, patient, and very responsive. She was thorough in her answers to my very frequent questions and she never made me feel like I was a nuisance to her. A truly wonderful professional to work with during such a stressful process. Thank you, Pamela, I am very grateful to you.

Pam has been working with me for over two months I had a few problems with paperwork I had put a hold on my loan for a month and Pam worked with me she is a very efficient loan officer I would Recommend her to anyone thank you Pam

Pam did a great job on keeping me updated throughout the process of my home loan, making the experience extremely enjoyable. She handled all of my "rookie" questions with grace and was always available when needed. Very friendly and reliable!

Pam did a great job helping me get into my home in Oroville.

When Brandon and Tess Lopez sought to buy their second home, they knew they’d have to wait a while. They had their eyes on a new Webb home in north Chico, so they’d bought their new house before it was completed.

They started the lending process months before they closed, so the usual home-buying scenario of scrambling to jump on a new property didn’t apply to them. That meant they had four months to get every detail buttoned up when it came to securing their home loan.

With that factored in, Brandon knew he wouldn’t have to be rushed into any part of the process. Initially he had looked into a different home loan company, which secured him a pretty good rate. But after asking around some and taking in word of mouth, he heard about us from friends. We were happy to find a better deal for him and we took the role of making his lending experience seriously.

“They came so highly recommended that I wanted to take the time to sit and research who I wanted to work with,” Brandon said. “I feel like I was able to make a good informed decision and it paid off. I got a good rate and still paid for less points.”

Brandon said he also got a good vibe from working with us. He doesn’t work far from our office, actually, and we soon started to see more and more of him. We were delighted to hear that he found us to be helpful and approachable.

“Steven’s very personable and down-to-earth,” Brandon said. “He didn’t come off as a salesman, he explained things well, and I never felt confused during the process. There was no point where I felt like I wasn’t his focus or his priority, even though I knew he was super busy. And then when Jason got involved, it streamlined things more as well. It was just a super easy experience.”

Brandon even did most of the heavy lifting—aka, the paperwork—online, which was perfect for his full schedule. With those processes taken care of and the lending made easy, Brandon and Tess are enjoying their brand-new home!

“We felt like we were very fortunate to go into a new build,” Brandon said, “and it alleviated all the concerns of buying a home. That, with the whole experience with Evergreen, made it incredibly easy. I’d definitely recommend at least giving them a call.”

Pam was absolutely magnificent in her customer service, her time, her patience and knowledge. I want to tell all my friends to ask her for help with their mortgage needs. Highly professional.

Tamara is a very positive uplifting person whom came into my life and efficiently walked me through the process of one of my life goals as becoming a single first time home owner..
I felt very confident and knew to could trust her from the beginning. Very trustworthy person. I would like to say I very much appreciate you and kindness

Pam did an excellent job keeping me informed and did everything possible to make it a comfortable process. She is friendly and very reliable.

Pam is such a great loan officer. I have known her for many years and she has always been reliable, personable, and professional. I appreciate her personal care in our recent loan. She made sure everything was as it was supposed to be and kept us “in the loop” the whole time. One thing I value is when someone keeps their word, and Pam is that kind of a person. When she says she is going to do something, she makes sure it gets done. I would recommend Pam to any of my friends and family. Thank you Pam!

Working in the financial services industry myself, I expect the utmost in service and attentiveness and that is exactly what Steven and his team at Evergreen Home Loans delivered. Buying a home is incredibly stressful and having the right professionals on your side is crucial. Steven worked his magic and got us a great deal! His team went above and beyond to ensure that all of our needs were met and that everything was handled thoroughly and efficiently. My wife and I highly recommend Steven.

Chris Covin had a longtime goal in his mind of being a homeowner by the time he was 30. At 29, he made it come true!
"For me, that was always a big thing and kind of a mark of success I aspired to reach for myself and my family," he said. "It honestly feels pretty amazing to think that we have a house we love, in a great area, with everything right in line with what we wanted."
The home-buying process for Chris and his wife presented itself as a daunting one at first, even though the Covins had a near-exact idea of the house and area they wanted. Securing a loan to buy it opened up a ton of new questions for them to consider. When they came in to Evergreen, Chris said, they were looking for three major answers. The first one was the most important.
"Top of the list for me was honesty," Chris said. "I'm a very honest person by nature and it's just a value I place a lot of importance on, both personally and in business. The first thing we had to figure out was, which company is going to have our best interest in mind? You hear horror stories all the time about people getting ripped off or getting in situations where they get bad advice and end up in a situation they can't afford."
We were thrilled to hear that our reputation preceded us, but we also knew that we had to prove it to Chris. To do that, we had to follow up on his other two concerns: Providing answers about the lending process, and making sure the Covins were in a situation that would work for them.
"We did as much research as we could to find our house, and learn details about getting our loan, but there's really only so much you can learn by Googling," Chris said. "Steven was really good about always being a text away at all times, being really responsive and keeping us updated on everything like interest rates and when to lock ours in."
Chris qualified for an FHA loan that allowed his family to explore buying opportunities near the downtown area, and a house they absolutely adored became available. The "stars lined up," as he put it, with a home that was basically turnkey and ready for the Covins to make it their new home. Once it came time to put down a down payment, Chris said, he realized the magnitude of the move his family was about to make.
The idea of making the biggest financial commitment of his life to date could have been stressful – for many, it often is – but he said he never felt anxiety over it, even through a 60-day escrow period.
"Honestly, the way Steven and Jason communicated with us just eliminated all of that. All we had to do was wait," he said. "We felt like we had as much information as we could possibly have. When it's your first house, that's just huge.
“I’m 29, and I'm a homeowner,” Chris continued, “and that was always my goal. It feels awesome. If I had to do it all over again, I wouldn't change a single step. Evergreen, Steven, Jason – they were so good about keeping us informed and guiding us that I'd go back to them every time.”

I recently had to refinance due to some very stressful circumstances. Big financial decisions - especially when it comes to your home - can be scary on their own, but coupled with other major life changes it can be a nightmare. Luckily Steven and Team Chico at Evergreen Home Loans walked me through the process with candor and respect. They made the process much faster and easier than I thought it would be.

It was a joy working with them and I look forward to doing so again in the future. If you're buying, refi-ing, or otherwise looking for a home loan, reach out to them. You'll be glad you did.

Met with Tamara to get pre approved for a home loan. She asked all the right questions and we got pre approved within minutes! We were able to go back to our RE agent to make an offer on the house we wanted the same day. Tamara is very professional and knowledgeable. Her requests for additional information were very timely and she made the process of getting a home loan easy and stress free for us. Because of Tamara, we got the home we wanted!!!!!

I had the pleasure of working with Steven Hatcher! My fiancé and I had a wonderful experience with him! Steven was excellent to work with and remained available throughout the entire mortgage process. He was also extremely patient and didn't mind answering repeat questions that arose. He answered phone calls late at night, early in the morning and on the weekend. He was honest, and has my best interest at heart. Steven goes above and beyond with his customer service as well as his follow-up. We were very pleased with the experience of working with Steven and the entire Evergreen Home Loans team! I would highly recommend Steven and his team to anyone with mortgage needs. Thank you Steven and team!

Pamela Horn was the best. She was there for me every step of the way when it came to the first time home owner program. From step one, filling out the application all the way to the end. Any question I had, she was there to answer, even when she was at home she would take time to help. I highly recommend Pam Horn. She's the best!