We typically require documents to be recent, usually within the last 30-60 days. This ensures that the information is up-to-date and accurately reflects your current financial situation.

You can submit digital copies of your documents for your loan application. We accept scanned copies or photos of documents, ensuring they're clear and legible.

If you're missing some required documents, don't worry!
Reach out to your loan officer or our customer support team to discuss possible alternatives or extensions.

Here's the info on fixed-rate and adjustable-rate mortgages:
Fixed-Rate Mortgage: Stable interest rate for the loan term, predictable monthly payments.
Adjustable-Rate Mortgage (ARM): Interest rate can change, initial rates often lower, payments may increase or decrease.
Our loan officers can help you choose the best option for your needs!

An adjustable-rate mortgage (ARM) has an interest rate that starts lower but can change periodically based on market conditions, potentially leading to fluctuating payments, making it suitable for those planning to sell or refinance soon. In contrast, a fixed-rate mortgage maintains a constant interest rate and predictable payments throughout the loan term, ideal for long-term homeowners seeking stability. At EvergreenLoanWallet, we offer both options tailored to your financial goals, with ARMs carrying the risk of rising payments and fixed-rate loans potentially having higher initial rates. Contact us to find the best fit for your needs.

A home loan is a broad term for any loan used to buy, refinance, or improve a residential property, including various loan types like home equity or renovation loans. A mortgage loan is a specific type of home loan secured by the property itself, serving as collateral, typically used for purchasing or refinancing a home. As a loan company, we provide both options with competitive terms to suit your homeownership needs—contact us to find the right fit!

A personal loan is an unsecured loan provided by our company, allowing you to borrow a fixed amount for various personal expenses, such as debt consolidation, medical bills, or major purchases, without requiring collateral. It features fixed or variable interest rates and a set repayment term, typically ranging from one to seven years. As a loan company, we offer competitive personal loans tailored to your financial needs—contact us to explore your options!

To qualify for a personal loan with our company, you typically need a good credit score (usually 600 or higher), a stable income to demonstrate repayment ability, and a low debt-to-income ratio (preferably under 40%). You’ll also need to provide identification, proof of income (like pay stubs or tax returns), and possibly bank statements. As a loan company, we review your application to ensure you meet these criteria—contact us to start the process and discuss your eligibility!

We typically process personal loan applications within 1 to 7 business days, depending on the complexity of your application and the speed of document submission. Once you provide all required information, such as proof of income and identification, approval can often be granted within 24 to 48 hours, with funds disbursed shortly after. Contact us to start your application and get a more precise timeline based on your specific situation!

We guide you through applying for a student loan in a few straightforward steps. Research private student loans with us, providing details like enrollment status, school costs, and financial information. Submit required documents, such as proof of income, ID, and academic records. Contact us to start your application, and we’ll help you explore federal and private loan options tailored to your educational needs!

we can explain that whether you need a cosigner for a student loan depends on the loan type and your financial profile. Federal student loans, accessed via FAFSA, typically don’t require a cosigner, as they’re based on financial need and not credit history. Private student loans, however, often require a cosigner if you have limited credit, a low credit score (below 650), or insufficient income. A cosigner with good credit can improve approval chances and secure better rates. Contact us to review your situation and determine if a cosigner is needed for your student loan

We can confirm that you can still get a student loan with bad credit, but your options may be limited. Contact us to explore federal and private loan options and find the best solution for your situation