NAS Whidbey IslandVA Lender

NAS Whidbey Island
VA Lender
Evergreen Home Loans
Evergreen Home Loans

It’s no small thing to buy a home. At Evergreen Home Loans™, we haven’t taken that responsibility lightly—not for a minute of our over 32-year history. Today, as a leading full-service direct lender with 64 branch offices throughout the western United States, our desire to improve the customer experience continues. We offer an extensive menu of affordable home loan products, expanded guidelines that can help make qualifying easier, and solutions that are especially helpful for first-time homebuyers, including; FHA and VA, conventional, bridge loans, first-time homebuyer programs, reverse mortgage, USDA, jumbo, cash-out refinance, 203K, and construction loans. At Evergreen Home Loans™, we deliver On Time and as Promised®, providing our customers with complete peace of mind. Everything we do is driven by a single guiding principle: to put our customers in the strongest position possible to purchase a home. Our experienced and professional loan officers and support teams offer guidance, insight, and a deft hand at every point in the loan process. A cozy fire. Keepsakes on the mantel. Family close at hand. That’s home. We’ll help you get there.



The VA Loan is a federal loan offered to veterans, military members and qualified military spouses created to help families purchase or finance their home during the home buying process. It is a government-backed loan guaranteed by the U.S. Department of Veterans Affairs (VA). Each loan is issued by a qualified VA lender that determines the rates, terms and conditions of the loan based on VA rules and guidelines.

The VA Home Loan was created in 1944 by the United States government to help returning service members finance and purchase for their families without needing excellent credit or a down payment.

Due to the housing market crisis that happened between 2008 and 2012, traditional home loan lenders have made it more difficult to qualify for a home loan. VA Home Loans makes it easier for qualified service members to qualify for loan programs with very strict qualifications.


$0 No Money Down 

Qualified borrowers can take advantage of a VA loan without putting down a down payment.


Federal Loans do not require Private Mortgage Insurance, reducing the overall costs associated with the loan.

Competitive Interest Rates 

Lenders have more freedom to offer lower interest rates to home buyers due to being backed by the federal government.

Less Requirements 

In general, you can qualify for a VA Loan with fewer requirements, making it easier to get approved.


Up to 20% Down

Qualified borrowers are required to put down a payment of up to 20%.

PMI (Insurance Required)

Private Mortgage Insurance is required for any home buyer that finances 80% or more of their home.

Higher Interest Rates

Without any government guarantees, interest rates are usually higher to compensate for additional risks.

Standard Qualification Procedures

All standard approval procedures must be followed which makes it more difficult for a homeowner to qualify for financing a home.