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Adam Evans
Mortgage Advisor

Guidance You Can Trust. Service You Can Count On. Lending Made Simple.

I'm Adam Evans, a mortgage advisor who believes you deserve the lowest rate possible and someone who'll be honest about whether a loan is actually right for you. I've spent 15+ years doing both.

Find My Best Loan Call (562) 388-2240
★★★★★ 4.9 on Google · 60+ reviews NMLS #745277 · DRE #01899898
Adam Evans, Mortgage Advisor
15
years
helping
homeowners
Competitive rates I'll stand behind.
Most loans close in 21–30 days.
Your best interest, always first.
A bit about me

Helping families and investors with their biggest decisions for over 15 years.

— Adam Evans
NMLS #745277 · DRE #01899898

Getting the lowest rate matters. But getting the right loan, the one that actually saves you money long-term, matters more. My job is to make sure you get both.

I've been doing this for over 15 years, and most of my business comes from referrals and repeat clients. That's not an accident, it's the result of treating every loan like it matters. Because it does. It's your house, your payment, your monthly budget for the next thirty years.

"Anyone can quote you a rate. I'll tell you whether it's actually the right deal for your situation, and if it's not, I'll tell you that too."

Whether you're refinancing to lower your rate, buying your first home, pulling equity out for a renovation, or building an investment portfolio, I'll walk you through the real numbers in plain English. No jargon. No pressure. Just honest answers.

Thinking about refinancing?

Let's see if it actually makes sense.

Rates change. Your situation changes. The right time to refinance depends on more than just the headline number, and I'll walk you through whether it's actually worth doing for you.

Lower your rate, I'll show you the real break-even point, not just the savings
Cash out equity for renovations, debt consolidation, or investments
VA IRRRL streamlines for veterans, no appraisal, no income docs
FHA Streamline refinance, lower your rate with minimal paperwork and no appraisal
Drop your PMI by converting from FHA to conventional
Get a Free Refi Analysis →
What I'll review for you
Free analysis
Your current rate vs. today's market
Side-by-side comparison
Monthly payment impact
Real savings, real numbers
Break-even timeline
When a refi pays for itself
My honest recommendation
Refi now, wait, or skip it
How it works

Four steps, no surprises.

From the first conversation to closing day, here's exactly what to expect.

step one

We talk

A no-pressure call to understand what you're working with, your goals, timeline, and what's keeping you up at night.

step two

I build a plan

Multiple loan options laid out side by side, rates, fees, monthly payment, tradeoffs. All in plain English.

step three

You choose

You pick the path that fits. I handle the paperwork, the lender coordination, and the daily back-and-forth so you don't have to.

step four

We close

No surprises at signing. And I stay in your corner long after, for refinances, equity, or just questions.

Loan programs

An option for every situation.

Refinance, purchase, equity, investment, I work with conventional, government, and non-QM programs to find the right fit for your goals.

📉

Refinancing

Rate reduction, cash-out, VA IRRRL streamlines, and FHA-to-conventional conversions.

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🏡

Purchase Loans

Conventional, FHA, VA, and Jumbo financing for first-time and move-up buyers.

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🔑

Home Equity / HELOC

Tap your equity with HELOCs, second mortgages, and high-LTV options including non-warrantable condos.

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🎖️

VA Loans

Zero down, no PMI, and streamline refinance options for veterans and active-duty service members.

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📊

Investor Financing

DSCR loans qualified on rental income, no personal income docs required.

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📋

Non-QM Loans

Bank statement, asset depletion, and creative solutions for self-employed borrowers.

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What clients say

Don't take my word for it.

Real reviews from real clients on Google. The kind of feedback that makes 15+ years in this business worth it.

★★★★★
"I have done business with Adam and his team on 3 separate occasions spanning nearly 10 years now. He and his team are my go-to. Looking forward to doing business with them in the future."
DM
Daniel Mandac
10-year repeat client
★★★★★
"Adam and his team did a great job with our mortgage loan. We're first time homebuyers and Adam had a great balance of patience, speed, and experience. We even closed 2 weeks early."
AR
A. R.
First-time homebuyer
★★★★★
"Adam and his team always do a super job for us. Never pushy, and quick to respond. It's always a pleasure to work with them. I recommend them to everyone."
JM
Joseph Morua
Local Guide · Repeat client
★★★★★
"Adam has been great since day one, all the way to closing. We received offers from different lenders but Adam presents a different kind of approach. Professional and most of all trustworthy."
TT
Teb Tano
Local Guide
★★★★★
"Overall Adam and his amazing team were beyond professional, very responsive and truly guided me and my family in making the best decisions. Got an amazing rate and closed right on the 30 day mark."
JR
Jezus Robles
Purchase loan
★★★★★
"Adam and his team really go above and beyond. I was a first time buyer and they did all the work with ease. By far the best service."
AS
Andrew Sisk
First-time homebuyer
Read all reviews on Google →
Already shopping?

Send me your Loan Estimate. I'll review it free.

Got a quote from another lender? I'll personally read through your rate, fees, and terms and tell you whether it's a good deal, no obligation, no sales pitch.

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Common questions

The things people always ask.

Don't see your question here? Just call or text, that's the fastest way to get a real answer.

Call or text directly
(562) 388-2240
Available 7 days a week
It depends on three things: your current rate, how much you'd save monthly, and how long you plan to stay in the home. I'll calculate your real break-even point, usually it makes sense if you'll save enough to cover the closing costs within 24–36 months. If it doesn't pencil out, I'll tell you to wait.
In most cases my compensation is paid by the lender, so there's no direct cost to you. When borrower-paid fees apply, I disclose everything upfront before you commit. You'll never see a surprise fee at closing.
No. Higher scores get better rates, but there are programs for credit as low as 500. I specialize in finding the right fit regardless of where your score is today, and I can also help you build a plan to improve it.
Most loans close in 21–30 days from application. Refinances can move faster if there's no appraisal required. You'll get updates from me at every step, no wondering where your loan is.
Nothing. The first call is casual and pressure-free, I just want to understand your goals. When you're ready to move forward, I'll guide you on what documents we'll need (typically pay stubs, tax returns, bank statements, and ID).
Absolutely. VA loans are one of my specialties: zero down, no PMI, competitive rates. I also handle VA IRRRL streamline refinances, the fastest path to a lower rate for veterans, with no appraisal or income documents required.
Yes. DSCR loans qualify based on the property's rental income rather than your personal income, ideal for portfolio builders. I also handle conventional investment loans and creative financing structures.
Ready when you are

Let's see what your options look like.

A 2-minute quiz to get the conversation started. No pressure, no obligation, just honest guidance from someone who's been doing this for over 15 years.

Get My Loan Options Or Call (562) 388-2240
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