Evolve Bank & Trust Home Loan Center

"Richard is the best loan officer I have ever had. With the rapidly changing housing market, and escalating interest rates I was at the verge of losing my new build after having to wait 1 year to complete. I cannot tell you how many banks I spoke with, knocked on every door and every single one denied my application. They all said I needed a cosigner because of debt income ratio too high for me. However, Richard was my last and final attempt at keeping this home and not losing $200,000 already in. He made it seamless, easy and approved me without a problem- without a cosigner. He is a miracle worker. Extremely communicative and truly one ring away every step of the way. I literally cannot wait to purchase another home in the future and count on Richard. You’re not just a number with him, your truly establish a friendship. Please look no more. Evolve bank is the answer"

"Working with Richard was awesome. He took time even on the weekend to make sure everything was taken care of. Is the best loan and financial officer I worked with."

"Richard was a great asset to our mortgage process. He laid out and walked us through our options and helped us decide the best course of action. He kept us on task all the way through our successful closing. I highly recommend Richard and Evolve bank."

"We had 21 days to close, and we were two days behind trying to lock in a better rate. Richard locked the rate for us the same day we reached out to him. He is amazing! We submitted our documents and he took care everything else for us. The whole closing process went very smooth and he did the best he can to make sure we close on time. Despite being behind for two days, we closed and got our key one day ahead of schedule. I would 100% recommend Richard and would come back to him for our second property."

"Richard Ma took on a complicated refinance for 3 of our properties and patiently worked through it all during the middle of nervous lenders and COVID - completed in record time (sarcasm). Haha. Started July 2020 and completed March 2021. Thank you, Richard."