Our Client Experience

Client Stories and Kudos

"Dan, Angela & Mtg Evolution team, thanks for sticking with us on this roller coaster of a home search. Thank you for the patience you have given us. We appreciate all your efforts of long hours and late nights. We will definitely recommend any and all future business to your team."

Andy W. - Sacramento

"I can not say enough good things about Dan and his team. From the very first day I spoke with Angela to the day I got the keys the team was amazing. We had some ups and downs during the process and they were there to guide us through. They did whatever it took to make things happen. They were always available to answer any questions we had and guided us through buying our first home. I cant imagine doing this with any other company we will be their customers for life."

Patrick - Applegate

"My husband and I are first time homebuyers with lots of questions and not a lot of resources. When we first met Daniel, he took over an hour to explain the logistics of the home application process and how our individual credit scores, income, and debts factored in. The fact that he took the time to deal with us made us confident in choosing Mortgage Evolution as our lenders. Daniel was responsive, professional, and patient throughout the whole process. Even when an unforeseen family emergency occurred, Daniel was very understanding and assured us that the process could wait and he'd make sure it would be taken care of. We couldn't recommend a better lending agent."

Danielle S. - Elk Grove

"Dan & Angela have always been quick to communicate, keep us updated & available at any time for us. We have purchased many homes & we know that Mortgage Evolution will always take care of lending needs. Dan and team are very professional and on top of all of our needs. We would highly recommend them."

Robert and Catherine - Anatolia- Rancho Cordova

"Amazing customer service and knowledge that made the lending aspect of my purchase extremely smooth. Great integration with both my realtor and title companies (I sold a home and bought a home at the same time)."

Casey - Rocklin

"Dan and Angela were awesome from the first phone call to the end. They made it a point to be available whenever I had a question and as a first time home buyer I had lots of questions. I would recommend Dan, Angela & the Mortgage Evolution team to family and friends."

Brian J. - Live Oak

"Dan, Angela, and the overall whole Mortgage Evolution team is amazing. I couldn’t have asked for a better experience as a first time home buyer. They are kind, caring, and extremely knowledgeable and helpful. I was honored to have worked with them and look forward to recommending them to anyone who is in need of a lender. Thank you for being the best. "

Jessica T. - Rancho Cordova (Anatolia)

"Daniel and Angela Florence were wonderful and always ready with a positive answer to any questions. They helped to make such an important step forward in our lives by guiding us through the loan process every step of the way! It was a daunting task and Daniel was there for us! He made it happen and we would recommend him to anyone who needs help in buying a home and obtaining a loan! Thank you for your excellent help! You were perfect!"

Susan - Placerville

"Dan and his team at Mortgage Evolution provided excellent service while I was buying my first home. Their quick and helpful answers made the process a lot less daunting."

Kyle M. - Roseville

"Dan provided me with hands-on, top notch support throughout the whole process. As a first time home buyer, he helped me understand what to expect, which made the process easier. I appreciate their professionalism and follow through. I couldn't have survived the process without him and his team. They would send me positive notes that made the world of difference."

Kellie - North Natomas- Sacramento

"Jim and I have truly found a team that value thier clients. We had reached out to Dan Florence after we had been able to rebuild our credit and save the funds for buying a home. Dan and Angela are unique folks who remember important details and Dan strategic skills provided the opportunity for two people who have worked hard to make a decent life for our family. It takes special talents in dealing with anxious folks who observe the generosity from a lender with many years of experience to make our dream of home ownership a reality. Dan is extraordinary in making sure every process in finance met the underwriters specific set of rules. We highly recommend Dan Florence and his team for making home ownership and you will definitely find a friend you can trust for life!"

Jim and Karen - Yuba City

"Dan made the process very straight forward and easy. The communication was great and I was always updated on the status. Overall a great experience!"

Reza G. - Citrus Heights

"It was great, the team was so organize, and Daniel was so approachable and competent. I am so glad I choose Mortgage Evolution. The transaction was so smooth and I am so thankful for all their effort....kudos! You did great!"

Marichu - Folsom

"This was by far my best, easiest home buying experience ever! Everything was fantastic!"

Jill D. - Cameron Park

"I can't say enough about Dan and his team at Mortgage Evolution. They were friendly, answered all of my questions in a timely manner, provided great support, and were very easy to work with! Being a first time home buyer I did not know a whole lot about the process and I was informed every step of the way by Dan and his videos were very informative and fun to watch! I would highly recommend Mortgage Evolution! They are the best!"

Kimberley D. - Olivehurst

"We are very happy with the professional and friendly customer service with our refinance! Dan and his entire team really went above and beyond, and we really appreciate it!!"

Tami D. - Citrus Heights

"Dan and his team made us feel like we were their No. 1 priority at all times. They ran numbers for us late at night and provided all the documents we needed to place an offer. They made the process super easy for us first time home buyers."

Megan H. - Natomas Park- Sacramento

"The service provided was first class and professional. I am more than thrilled about the service I received from Dan and his team. Everything was perfect."

James W. - Fairfield

"Dan and team were extremely helpful and spoke with me on anything I needed. They would go back over any details that i asked for and were so responsive."

Nicholas C. - Sacramento

"Dan and the team were very responsive and had a genuine interest in our home buying experience. Everything was clearly explained and the process was very smooth. I'd recommend them to future home buyers hands down. Everyone was great!"

Shannon M. - Rocklin

"I have to say that i was super nervous about buying a house. I didnt know what to expect at all. However, Dan and Angela were so helpful. I feel like they became my friends and I always felt that they were on my team. My best interests were always a priority to them. Any questions I ever had were met with lighting response. No question ever was stupid and they always had an answer. Mortgage evolution exceeded all my expectations ×1000. I appreciate everything they did for me. It wont be forgotten...Everything they did was perfect".

Brandon M. - Roseville

"Kudos to Dan for guiding me through my mortgage refinancing with expertise, sound advice, and attention to detail."

Patricia - Fair Oaks

"Our team at Mortgage Evolution was top notch. They were extremely speedy in processing our paperwork and responding to any questions/concerns we had along the way. We at all times felt well-informed about the processes involved and updated on the status of things. The team was friendly and down to earth, and almost seemed as excited for our new home as we were. When problems came up, they were there to find solutions that suit our unique situations. We could not be happier with how we were treated and the financing we received."

Kelly - Applegate

"Dan was such a great patient friendly person to work with. Very knowledgeable and helpful. i would absolutely recommend him to anyone".

James - Rosemont

"Mortgage Evolution was a professional and easy way for us to REFI our loan. Everything was done in a timely fashion. we will definitely use them again and I will be referring more business their way for my real estate clients."

Denise - Rocklin

"Dan and his team were super friendly. Kept me informed all during the process. Gave me a great rate. Gave me great service even though I was low income buyer. Love the personalized videos."

Joyce T. - Folsom

"Dan and team are the best people I ever worked with and did everything they promised, Could not be happier with them! They are the Best team to help you get the best deal. Dan and his team are totally up on there game since we had some tax problems it makes things tuff but Dan guided us through it and we just closed on our Home. Great people that understand your needs."

Danny K. - Arden-Arcade

"Dan worked hard to pull things together quickly. He was attentive, resourceful, knowledgeable, and fun to work with."

Susan M. - Granite Bay

"Dan helped my husband and I get approved for a loan for our first home. I'm very excited to start my life with my husband and our children. He really helped us a lot."

Maria F. - Sacramento

"From the moment I received my first text from Angela Florence at Mortgage Evolution to the moment I signed the closing documents on my new condominium, Angela, Dan Florence & all of the rest of the team at Mortgage Evolution could not have done a better job than they did. They were truly outstanding in all steps of the process. In each and every one of my interactions with every member of the Mortgage Evolution staff, they were professional, knowledgeable, courteous, friendly, and always available to answer any questions I may have had. I would not hesitate to recommend their services to anyone I know and will undoubtedly use them again myself sometime down the road."

Carl L. - Folsom

"We have purchased 4 homes in our lives and we can tell you unequivocally that our experience with Dan and Angela Florence at Mortgage Evolution was without question, the best, easiest and most pleasurable experience we have ever had. They were professional, punctual, proficient and made everything so easy to understand. I would refer anyone and everyone to MortgageEvolution every day of the week and twice on Sunday. They were AMAZING!"

Darin - Cameron Park

"Dan and his team were nothing short of EXCELLENT as they worked with my family during our recent home purchase. They were very responsive and always kept us in the loop. ME did outstanding work and I would give them the highest recommendation."

Matt H. - Gold River

"If I could give Dan & team 5 million stars, I would!! From the moment I contacted Angela & Dan a year before, I knew I was in good hands. I had a few blemishes on my credit that were seen as road blocks to other lenders, but Dan exhausted EVERY reasonable avenue available to get me a loan. In the end, I not only got a great loan, but Dan, Angela & Quynh were able to get everything tied up in time to secure grant monies for a down payment. The whole team treated me as though I was their only client. Every inquiry received an immediate response. Every question I had was met with an immediate explanation. In fact, they often anticipated my questions and answered them before I could even think of them. They clearly outlined the entire process from application to closing. Angela even helped with some post-closing dog park suggestions! I have been through the process of obtaining a mortgage twice before & Dan & team provided a level of service previous lenders couldn't even dream of. "

Zack S. - North Sacramento

"My wife and I recently moved to California from Chicago. Needless to say, the prices of homes in the Midwest dwarf the cost of homes in California, much less the San Jose area. We landed in San Jose to be close to my Daughter and Grandson. We decided to rent our first year here in San Jose, but quickly realized that the cost of renting was typically higher then obtaining a mortgage. We did not have the 20% or 30% down payment for a new mortgage, but I did have over 20 years of service in the Navy. An acquaintance of ours specifically recommended Dan Florence to assist us in obtaining a loan based on his familiarity with securing VA loans for veterans. I called Dan, and listened to him describe his experiences with other Brokers and Agents, especially one’s operating only out of the San Jose area. He immediately assured me that he would be able to help us based on our incomes and employment history."

Jim B. Part 1 - San Jose

"I initially did not pursue his offer, and chose to submit a loan application with one of the major banks. The process with this bank was nothing short of a nightmare. Constant requests for verification letters, reference letters, and of course the waiting game. After almost eight weeks, and still no commitment from this bank, I decided to go back and give Dan Florence a phone call. He remembered our story, and was excited to help us find our new home. He also supported us by referencing a Real Estate agent that was originally from the San Jose area. Within 4 weeks, we put a bid in on our house. A majority of the paper work was completed on-line. The whole event was seamless. We were always well informed of the “What’s next” items, which was good for me as I dislike surprises. Dan’s office support was also very helpful when any questions came up during the sale process. I would highly recommend Dan Florence's professional direction for any future home purchases."

Jim B. Part 2 - San Jose

"I initially reached out to a handful of mortgage brokers/companies before hiring Dan -- even though a friend of mine had already recommended his services. I quickly learned that Dan was the most organized, knowledgeable and transparent. He provided my spouse and I with detailed quotes/scenarios that reflected the total cost of the loan -- and explained exactly what we would need to do in order to qualify for a mortgage loan. Our situation was a bit complex/complicated and required a skilled/experienced tactician to ensure success. Our loan closed in record time and Dan was in constant communication until the very end. I found Dan to be thorough, detailed, and honest."

Misty L. - Lincoln

"Dan & his team at Mortgage Evolution are miracle workers! They helped me remortgage my house out of a private loan. When I was purchasing my house I had several mortgage brokers try to help me find a loan, but was turned down each time. The private loan was my only option to own a home. After a year of being in my home, I was introduced to Dan & Angela. I thought I would be wasting their time and was hesitant to go through the loan process just to be turned down again. Dan, knowing my situation, said he was up for the challenge & was determined to help me to refinance out of the high interest private loan!! His team worked day and night putting my paperwork together. The process was seamless and they made it so easy on my end!! I was completely blown away the day he called me and said my loan was approved! Dan and his amazing team definitely worked miracles!! I am forever grateful!! I am still in awe that I have a 30 year fixed loan, that they saved me a huge amount of money! Thanks!"

Gloria S. - Granite Bay

"Dan and his wife Angela...these two are the dynamic duo of the mortgage & finance & they helped me with not just one, but TWO home purchases. I would have to say the first home purchase was an "experience" to say the least. Anything and everything that could possibly come up to slow the process down happened - but quite honestly, Dan, Angela and team shielded me, coaxed me through, soothed my stressed self through the process. I guess you could say that they fought for me tooth & nail through it all & I was able to purchase my first home. Fast forward two years later, when I was ready to buy my 2nd home,I cannot believe how much easier and smoother this process went. Again, they made it smooth sailing for me. I lost out on a home just a few days before the holidays; I went out, found another the day after Christmas. The amazing part is, they kept the ball rolling as if it never even dropped, and picked up where we left off and was able to close in about 17 days! "

Liza B. - Elk Grove

"Dan and the Mortgage Evolution team were great. I was told by plenty of my friends that buying a home is the most stressful thing you will ever do. I came into this thinking it would be a pain in the rear although once the process was started it wasn't bad at all. I was only asked for updated documents from time to time and everything that needed to be signed was completed online. This was a pleasant experience and if you want the process of purchasing a home done properly then using Mortgage Evolution is the best option. Thanks Dan for all your hard work!"

Scott G. - Roseville

"I had a really great experience with Dan, Angela, and the team. They were super nice and genuine. They worked hard for us and were able to get us approved for way more than we thought. They got us a very low rate and the monthly payment is affordable for us. It was a painless process as they and our realtor Lisa Lyford did all of the work. All we did was sign some things, pack, and move. I highly recommend this company to everyone who wants a low stress home purchase process."

Christina D. - Rocklin

"Dan and his staff from Mortgage Evolution helped me buy my first home. Dan had all the home buying expenses up front. There was no guess work! If I had questions there was always someone on hand to answer them. Best home buying experience ever."

Hayley L. - Placerville

"This isn't the first home I've purchased but it has been a little while since the last one and the process is more complicated than ever. From my initial interaction & even after the loan funded, I have been so impressed with the service and professionalism I received from Mortgage Evolution. Dan, Angela & team are really a cut above the rest. My wife and I do not have perfect credit, nor do we have a lot of disposable income. To make things even more interesting we had a unique & challenging circumstance to overcome. Our real estate transaction was definitely not traditional. Dan knew exactly how to handle our situation & saved us money in the process. These folks will work with you if you are not quite at a point where you qualify. Their communication was stellar. I sent hundreds of e-mails to them & they were always promptly answered. When I was freaking out, they were cool, calm and collected. You will not find a better group of people to help you with your lending needs."

Matthew C. - Rancho Murieta

"Dan and his team are excellent. I'm a loyal repeat customer, and can't say enough good things about Mortgage Evolution. From start to finish they will take care of you with great communication and advice. There won't be any surprises with your purchase when these guys are steering the boat. If I could give them more stars, I would!"

Donavon B. - Elk Grove

"Amazing! Really! I have never dealt with a mortgage company that had such fantastic communications. Always available, responsive, and answered all of my millions of questions without hesitation. We had a hard time finding a home, he was always able to provide a preapproval letter quickly. Daniel Florence came highly recommended and he did not disappoint. When we finally found the home of our dreams, We were able to close in less than 30 days. He handled an appraisal issue with such professionalism and kept me informed every second of the way. I definitely recommend and will be using him with future transactions."

Mistie V. - Loma Rica

"Our experience was flawless! They were accurate, kind, helpful, and super communicative! There were times when they responded so quickly that we wondered if they ever slept. They were so great and we felt their support along this entire journey. Our loan closed in 21 days, but we felt like we had made new friends in this process. We are life long clients now!"

Steve H. - Lincoln

"After years of having become a renter again, I wasn't sure if I could ever find myself in a position to become a home owner again... Dan's team at Mortgage Evolution was amazing!! Quickly they processed my numbers and even had a great recommendation for realtor for me "which was also Amazing!!" Lisa, the realtor, worked with Dan & Team and I found My home, loan processed NO HICCUPS!!! Seriously, I had a total process of 44 days from my application to getting my keys!!!! Also, I'd like y'all to know how much they genuinely cared that I understood my options, and I wasn't just a number. I'm writing this review while sitting on my swing in My new backyard! ;) ."

Glenn H. - Orangevale

"We bought our new house recently and picked Dan's team over the competition for several key reasons: 1) The level of detail & personal attention they are willing to provide to win your business; 2) The sincerity with which they serve you 3) Their existing online reviews and client testimonials. Once we decided to go with them, what we got matched our high expectations. 1) They are available throughout the week to answer your questions quickly, including on weekend days. 2) They know what they are talking about & are happy to pass on their network of professional contacts who work equally hard to maintain their reputation. 3) They gave us the individual attention the other could not, or were not willing to provide. 4) Dan & Angela, the two people that we mainly worked with were excellent. My phone conversation with these guys gave me the comfort that they will be a great team to have on my side. Looking back on our one month marathon, they lived up to their reputation".

Emin - Roseville

"As first time homebuyers, my husband and I were absolutely unequipped for the roller coaster ride that is the homebuying process. From the get-go, we were unsure of the entire process, but Dan & Angela made the process a lot more tolerable. When we first spoke with Dan, he stayed on the phone with us for over an hour at 9 PM. My husband and I both work weekdays and aren't available until 8 PM, & Dan was & has always been available for us. What you need in a lending agent is responsiveness. Dan was available through text, email, and even calling on short notice. The process itself would have been overwhelming if it weren't for Dan. He made sure to check in with us each step of the way, never making us feel rushed or ill-informed for the decisions we've made. I'm writing this from my new backyard a week from the day we moved. As a homebuyer, you need someone who's honest, professional, responsive, and patient throughout the process -- and that's exactly what Dan is."

Dani - Elk Grove

"Everything Dan Florence promised... Became a reality. I am very thankful to have had Dan on my side when it came to closing the deal on my purchase. A year ago I thought that renting a home was my only option. Buying a home seemed out of reach until going over the necessary requirements with Dan. He was very helpful and knowledgeable. I would recommend anyone in the market for buying a home to speak to Dan and see what your options are. Even if you think you're not quite ready to buy. He may have some very helpful information for you. Information that might be able to make your dreams a reality."

Anthony M. - North Highlands

"I had a wonderful experience working with Dan. He helped us get our first house, and I never experienced anything less than absolute kindness, encouragement, patience, and a can-do attitude. Our situation was kind of crazy, with three co-owners and what could have been some very confusing details. He worked with every one of our needs, always assuring me that it would all work out (when I worried which I tend to do a lot of!) and got us the best deal for our situation. We worked with Dan and Angela and the team over a period of three months, and from beginning to end they were great. We have our first home and I can't be happier! A year ago I would never have suspected I'd be a homeowner. My only regret is not having done it sooner :) I highly recommend this guy! Even though our price range was not high at all, and though we had such a complicated situation, I felt no discrimination . Dan is honest, understanding, and above all communicative and KIND! Best of qualities."

Adrienne - Placerville

"Dan and Angela were awesome. They did in three days what the bank we did buisness with for thirty years couldn't get done in three months. Very knowledgeable , fast and caring. Can't rate them high enough!"

Mike B. - Sacramento

"Dan was so great!! We were first time home buyers and had no idea what we were doing. Dan and his wife Angela made the process super smooth and keep us in the loop on all the details! Not only were they so professional but also just the nicest people you could ever meet! I give them 5 stars but I'd give them 1000 if I could! Work with Dan and Angela you won't be sorry!!!"

Tayler & Julia - Orangevale

"Dan and his team helped me through the first home mortgage process with patience care and knowledge! Since this my first time buying a home I was nervous because you hear all the horror stories mountains of paperwork, hard lenders to deal with well working with Dan and his team was none of that, they were very polite and it was a no hassle experience! They did there best to help me through the paperwork and get me into my first house! Dan and his team work very hard to ensure that you are one of the family and treat you as such. I would highly recommend giving Dan and his team a chance to give you the same experience I had."

Jeff P. - Roseville

"Dan has been my 'go to' Mortgage guy since 2001. He is extremely knowledgeable and easy to work with, which is why I keep coming back with all my mortgage questions and needs. His performance, past and present, has been outstanding. I just completed my 3rd refinance with Dan and his team, and the entire process was handled in less than 2 weeks! They made it so easy and painless- everything was done via email- with the majority of the preliminary paperwork set-up to be electronically signed. Kept things moving. Really efficient. The outcome has always been right on target, (or even better), from Dan's initial projected numbers and rates. I highly recommend using Dan and his team, as they are all true professionals and super nice people. You won't be disappointed!"

Tracey D. - Elk Grove

"He was very patient with me. I have not purchased a home in 30 years so I asked lots of questions. He emailed and texted me with answers. The loan process was made easy because of him."

Linda H. - Carmichael

"My experience with Dan was bar none....the best. He has a Master as a mortgage broker. Always provided me with important pertinent information throughout my home buying experience and still does to this day. The experience continues still to this day (going on 2 years now). He always answer my questions and provides professional advice, which I 100% trust. Also, outside the business end, I think it's appropriate to say, I've gained a new friend with him and his wife."

Jerrimi W. - Sacramento

"We have worked with Dan more than once, and he is by far the best lender that we have ever used. Not only is he a complete professional and very good at what he does (one of our loans was complicated), but he's also a great communicator and overall super nice guy! We will definitely use him for our upcoming refinance, and have referred him to many of our friends. Thanks Dan (and your amazing team!)"

Cal L. - Roseville

"A joy to work with. We would definitely recommend for anyone needing a mortgage.throughout the process, Dan showed us our options for loans, how things would change with every option and question we had. He really went above and beyond.Dan was even able to close escrow quicker than stated!"

Steve - Shingle Springs

"Our experience was wonderful. Help at every step despite some very odd problems. Dan and Team were a pleasure to work with and they were always responsive and ready with new ideas and ways to keep things moving right along."

Bob & Barb W. - Land Park

"Dan did a great job for our family when we were having trouble with another lender. He and his team came to the rescue in short order, and provided a new, and competitive deal right away. I really enjoyed working with Dan and his team and I would highly recommend him to anyone. Ultimately, my other lender repented, but they put my family and I through a large amount of stress and aggravation, unlike Dan's team."

Robert Y. - Roseville

"Dan and his team are very exceptional people. They went above and beyond to help us. We had just moved to California we were renting after a few months the owner decided to sell we were not ready to move again so soon. We were not sure about qualifying for a loan since we were only on a new job for a few months. But when we contacted Mortgage Evolution Dan and his team went to work right away for us and guided us through the whole process. We purchased the home we were renting! We would definitely recommend Dan and his team and would use them again in a heartbeat."

Nadine D. - Yuba City

"Dan's industry knowledge was extensive, time saving and incredibly helpful. This was our 3rd home purchase and first time using Morgage Evolution. What a difference! Dan helped us to be organized, ahead of the game and relaxed through the entire process. We were thrilled with is availability, all of our questions were answered right away. He anticipated all of the banks needs, handing over a seemless package for expediency. You could not do better than working with Dan."

Tawny H. - Roseville

"Dan and his staff were ahead of the game every step of the way. Dan made the mortgage process very easy to understand and helped get our credit score where it needed to be as well. Dan and his staff are top notch. Don't go anywhere else. Mortgage Evolutuon is the best for sure."

Vic T. - Citrus Heights

"Dan helped me a lot to get our first home. I thought I was going to be declined due to my job length, but he worked out the numbers and did the calculations to help me get approved for the minimum of what I wanted. Just bought my first home and couldn't be happier!"

Robert A. - Sacramento

"Not only did Dan and Angela go above and beyond. They were willing to work with our busy schedules often having late-night phone calls to crunch numbers. They were both very knowledgeable and were able to answer any and all questions we could come up with. I am more than willing to use them in the future and suggest them to all friends and family."

Denny R. - Woodland

"You know how you want to buy a home & it's nutty & every mortgage broker starts bugging you, then you find one who makes your life easy. Then you breeze through the loan process because of their professionalism, diligence, and persistence and then lock in a lower rate right before the feds raised it? THAT just happened for us. I know it's a bit weird out there in the world or real estate...but...if you need a good mortgage broker, Dan and Angela Florence made it so easy for us. THANK YOU, Dan and Angela! We love our home, and we couldn't have done it without you and Kat Spears (our realtor)."

Mimi K. - Jackson

"Dan made the whole process pleasant! Him and his crew answered questions quickly and and never made us feel like we were bothersome. They explained everything in detail since we had no clue how the process went. "

Gina S. - Elk Grove

"Wonderful services from Dan, Angela & team! Dan and Angela were amazing with assisting our family in obtaining a mortgage for a new home purchase. It took our family a year to find a house we would love and they were there every step of the way. Throughout the process, Dan and Angela were considerate and responsive. They answered every question (and we had many) with a high level of expertise, understanding, and patience. We knew we were getting the best value for service. I wouldn't hesitate to use their services again."

Julie Ann T. - Vacaville

"Very pleased with Mortgage Evolution. I found Dan and his team through Lending Tree and after having spoke to several other companies regarding my challenging situation -- i found these folks to be the most honest, detailed, responsive and knowledgeable. Dan was able to present me with exact numbers for all loan scenarios and i was able to reach him whenever i had a question. His team is eager to help and overall they exceeded my expectations. Loan closed fast and process was very smooth."

Isaac L. - Lincoln

"Cannot Say Enough Good Things I do not think I have enough words to describe our experience. We were ready for a long drawn out and complicated process and it was the opposite. Truly our experience could not have been any easier or better. Dan was fast with all communications. It was crazy how he was able to respond so quickly. He was kind and professional at all times and most of all he was true to his word on all matters. His integrity was outstanding and we just felt like we had a true advocate on our side. We will never look elsewhere. We plan to encourage everyone we know to go to Dan. He is trustworthy and amazing at his job."

Angela H. - Lincoln

"Great Experience! Dan and Angela are so helpful and informative. They took extra steps in making sure that we had all the scenarios of buying a house at our finger tips. Very responsive and got everything done early! We signed all of our paperwork on the 4th and we closed the 16th. We loved talking to them as well. They are personable and always willing to go above and beyond for you. This is a great team and I would recommend them to anyone who needs a lender."

Jaime W. - Rancho Cordova

"The best experience! Dan and Angela made my home buying experience a dream! They were straightforward, so informative, happy to explain anything I asked about, and a pleasure to work with. I instantly felt like they were on my team, working to do anything they could to help me, and I trust them. They were immediately responsive every time I had a question or needed something. I would definitely choose them again."

Jessica G. - Sacramento

"Dan was the best lender we have ever worked with. We had gone through a short sell and we were still in recovery mode from 2008. It had been a while since we were even able to purchase a home again. Our lending situation was very unique and Dan and his team work diligently on our behalf and we were able to secure a home loan. I can't say enough positive things about Dan and the staff. I will be using them again in the future and also will be sharing his name and number to my family and friends."

Pam - Sacramento

"Dan helped us get through buying our first home. It was a smooth process and he was very accommodating in answering all our questions, even working late and meeting us late to ensure we meet our timelines. Dan & his team was a pleasure to work with. Thanks Dan!"

Grace K. - Lincoln

"Best loan experience! This is my second time going to Dan and I love the level of service he provides. I went to my credit union asking if it would be feasible to add my car loan to the refinance and the loan officer asked if I had someone in mind for the refinance. When he asked who I was going through and the rate they provided me, I replied, "Dan Florence and here's the breakdown of what was offered" (by the way the breakdown provided is to the penny and itemizes each cost). The loan officer said, "I know Dan and this is probably bad for my business, but he's a great guy and you won't get a better rate". If that's not a testimony to the type of person Dan is and the type of business he runs, I don't know what is! Also, if you have the pleasure of speaking to Angela Florence, she offers identical service. What a great team!!!"

Monica D. - Roseville

"Purchasing a home can be very scary and overwhelming. Dan and his team are wonderful, they made the entire process so painless and easy. A whole lot easier than buying a car. They are truly here to guide, motivate and hold your hand through the entire process. I'll continue to recommend them to everyone I know."

Sid S. - Elk Grove

"Use Dan if you want to have a good loan experience We were referred to Dan through Lending Tree. Honestly, I just called him because he was local to me. I was extremely happy that I did. Dan and his team were extremely nice, helpful, and totally on our side. They explained things to us, were always available for calls, and even worked really late at home while processing our loan. This is the third house I have bought in my life, and this loan process was by far the best. There was none of the usual heartache waiting for everything to happen. We just focused on moving, and Dan and his team took care of everything else. He even got us a higher loan for a bigger house at an affordable rate and monthly payment, all of which we thought would never happen. We never thought we would be able to afford such a nice house in a great area, all thanks to Dan and his team. I highly recommend him if you want to have a seamless and stress free home loan process. Plus he's just a really nice guy."

Jeff D. - Rocklin

"Great experience! Dan and his team worked tirelessly to find a loan and get us approved and into our new home! They were awesome and always available to answer questions, concerns, panic attacks or any other items that came up. Working with this team was a great experience!"

Holly S. - Yuba City

"Dan's the man. Dan was endearining and welcoming. He explained how he bought his home in Saccramento and really enjoys it."

Kevin - Sacramento

"I would like to thank Mortgage Evolution for the fast and painless refinance. They were very attentive and always kept me informed of our process. My wife and I put all of our trust with the Dan Florence Team at Mortgage Evolution. Every time we would wonder how the refi was going an email, text, or phone call would come our way with updates. Very easy process. Thank you so much and a big Thank you, Dan and Team."

Melissa - Citrus Heights

"Having a good lender is essential to either purchasing a home, or refinancing your existing home. Mortgage Evolution not only cares about every person in the transaction as a valued individual, they make an active attempt to keep everyone informed throughout the entire process. They are extremely conscientious, ethical, friendly, and diligent with the details. Even in the toughest of circumstances, they do not give up and they do not go silent. Their team keeps everyone in the loop throughout the entire process, so no one is left wondering, how things are coming along. Additionally, they are accessible and will NEVER forget your kids and dogs names! Which leads me to my last thought. They are personable and endearingthe full package! Lending is not an easy job, and these guys are amazing. I cant say enough!"

Lisa - Roseville

"Dan was attentive and encouraging and quickly answered all of our questions. I felt very confident going through the whole process with him and his team."

Shannon - Sacramento