EverHome Mortgage Company

EverHome Mortgage is the online division of EverBank.  EverBank is part of a $3.6 billion holding company, EverBank Financial Corporation.  They are one of the fastest growing diversified financial services firms in the nation.  Headquartered in Jacksonville, Florida, they have a nationwide employment base of approximately 1,500. EverBank Financial Corporation is comprised of several divisions, with EverBank Direct being their direct to consumer banking division.  EverBank has retail outlets in Northeast Florida.  Bank of New York and EverBank have a joint venture in BNY Mortgage, a full service mortgage operation, as do Priceline.com and EverBank in Pricelinemortgage.  

EverBank has an advisor program available to over 20,000 investment professionals who wish to offer mortgage and banking services to their clients.   Commercial real estate and residential wholesale lending also fall under EverBank’s banner.  EverHome Mortgage Company, the online mortgage division of EverBank, services over 300,000 loans with a principal balance of $36 billion.  They are a select servicer and have been named a Freddie Mac Tier One servicer for four years running.

Loans Funded by EverHome Mortgage

EverHome Mortgage has a variety of offerings.  They also have an online resource center with an assortment of loan calculators, an outline of their underwriting guidelines and a mortgage glossary.  These useful items will enable the online customer to make an informed funding decision.  Below are a few of their loan products:

• 30, 25, 20, 15, and 10 Year Fixed Rate Loans
  
• 30 Year Interest Only Fixed Rate Loans
  
• 1, 3, 5, and 7 Year Adjustable Rate Mortgages
  
• 3, 5, and 7 Year Adjustable Rate Interest Only Period Loans
  
• Refinance Mortgages
  
• Debt Consolidation Loans
  
• Bad Credit Mortgage Loans
  
• Home Equity Lines Of Credit (including the QuickClose Equity Line)

When approved, EverHome will set up a meeting, usually at a local title company, to sign the closing documents of the loan.  Free pre-approval is available from EverHome Mortgage.  The application fee is $275.00, but only if the application is approved.  A range of state and local fees, however, may apply.  The home equity lines of credit have a low $49.00 annual fee.  If the customer chooses to close his line within two years, an early termination fee will be charged.          

EverHome Mortgage in the Community

EverHome Mortgage takes its responsibility to the communities it serves quite seriously.  Besides helping through services such as banking, mortgages, loan servicing and advisory services to community groups and non-profits, it also directly contribute to many charities.  Some of them are:  the United Way, Ronald McDonald House, Habijax, the American Heart Association and the American Diabetes Association. 

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