kitsap: Blue Friday - Go HAWKS!!! - 01/30/15 05:58 AM
Of course we are very busy helping Home Buyers close their purchases in a timely manner, and also helping our refinance customers lower their payments.... but today we had to take a break and show our Seahawk pride:

My prediction:  Seahawks 27, Pats 13.
Go HAWKS!!!!


kitsap: The perfect iPhone/Android App for Home Buyers - 07/09/14 05:05 AM
Check out this video that explains all of the great features of our Evergreen Home Loans mortgage app for iPhone and Android users:
Please email me at or text me at 206-849-6326 if you would like me to send you the link to download the app.  I look forward to hearing from you!
Kind Regards,

kitsap: Today’s Homebuying market May be Hotter than Ever - 07/07/14 03:03 AM
Today’s Homebuying market May be Hotter than Ever by David Floan, Executive Vice President of Loan Production June 19, 2014 By Alex Considering a new home? Don’t be on the fence…buy it! Evergreen financed more home purchase loans in May than in any other month in its 27-year history—proving today’s home buying market may be hotter than ever.
Here at Evergreen, we have plenty of reasons to be highly optimistic about the housing market. In fact, Evergreen had a record breaking month in May closing the highest number of home purchase loans in our company’s history. While this is great news … (0 comments)

kitsap: I work for an amazing company! - 06/19/14 05:57 AM
Evergreen Home Loans Selected As One Of Washington’s Best Companies To Work For 2014 June 18, 2014 BELLEVUE, Washington – (6-18-14) – Evergreen Home Loans is pleased to announce that it has been selected as a top three (3) finalist as one of Washington’s 100 Best Companies to Work For in an annual ranking compiled by Seattle Business magazine.

“We’re honored that our associates have given us such high marks. We have a vision to change the world one relationship at a time. And that vision starts with how we treat our family of associates. I believe that … (0 comments)

kitsap: ADVANCED NOTICE - Below Market Interest Rates from WSHFC - 04/18/14 06:58 AM
Here is some of the verbiage that we received yesterday regarding a below-market rate purchase program through the Washington State Housing Finance Commission:
April 17, 2014
RE:  Advance Notice – Limited Time Offer
Please be advised the Housing Finance Commission expects to announce funding for a below-market House Key Opportunity Program on or about May 1, 2014."
"Proposed Interest Rates:

3.50% - 1% origination for FHA, VA, and USDA loans

3.75% 1% origination for Conventional loans"
The funds available for this program will be extremely limited, so the time to act is now!  Make sure that you are ready … (0 comments)

kitsap: Mike Hancock at the Kitsap County Military Appreciation Day - 04/08/14 08:34 AM
Mike Hancock At The Kitsap County Military Appreciation Day and Informational Fair April 2, 2014 By alex Leave a Comment Mike Hancock (MLO 108299) from the Silverdale Branch (NMLS ID 1147547) was out in full force at the Kitsap County Military Appreciation Day and Informational Fair on March 29, 2014. Mike proudly supported our military by hosting a booth and providing information on the benefits of VA loans. A large booth graphic communicated the myths and facts about VA loans while Mike provided his expertise with one-on-one information to visiting military personnel and their families.
The event was attended by hundreds … (0 comments)

kitsap: KCAR Affiliate of the Year - 03/25/14 08:18 AM
Evergreen Home Loans Announces That Kevin Hancock Receives Affiliate of the Year Award March 12, 2014 By Alex At Evergreen, we applaud Kevin Hancock (NMLS ID 108328), loan officer from the Silverdale branch (NMLS ID 1147547) who was awarded the Affiliate of the Year Award from the Kitsap County Association of Realtors® (KCAR). The organization was founded in 1918, serves 540 Realtors and 40 affiliate companies, and works to serve homeowners in Kitsap County.
Kevin served as the 2013 Chairman of the Kitsap County Association of Realtors, supporting its members with fundraising and volunteer efforts throughout the year. The Affiliate of … (0 comments)

kitsap: USDA Boundaries Not Changing! - 01/17/14 08:13 AM
Great news for all buyers who are interested in getting a USDA home loan - We received word this week that the long awaited boundary adjustments have been put on hold again.  As of right now, it sounds like the current boundaries will remain in place until at least September of 2014.
This is positive for both buyers and sellers, so please help spread the word.  If you would like to get pre-approved for a home purchase anywhere in the state of Washington, please give me a call!  I look forward to hearing from you!
Kind Regards,
Kevin Hancock
Loan Officer, MLO-108328
Evergreen … (0 comments)

kitsap: The NEW RULES for a Smooth Loan Approval - 08/04/10 01:44 PM

When we meet with a client, one of the many pieces of information we give them is a one page sheet titled "TIPS FOR A SMOOTH LOAN APPROVAL". 
This is a list of helpful tips to ensure an effortless loan process.  These DO's and DON'T's will help avoid any delays with your loan approval.
Because of what is known as the Fannie Mae Loan Quality Initiative, we are going to make some changes to our previous verbiage.  The reason for this is that FNMA is now requiring that a new credit report be pulled just before closing to ensure … (0 comments)

kitsap: USDA Funding - Update - 05/13/10 07:33 AM

photo courtesy of Francesco Marino at
Great News!!!  The USDA program seems to be on the verge of securing new funding.  Investors who purchase USDA loans are now beginning to issue guidance on how to handle the loans in the meantime.  See below:
"Fiscal Year 2010 Appropriated Funds - Issuing Conditional Commitments once Appropriated Funds are Exhausted
The Single Family Housing Guaranteed Loan Program (SFHGLP) will issue Conditional Commitments once currently appropriated funds for Fiscal Year 2010 are exhausted.  Conditional Commitments will be issued "subject to the availability of funds and Congressional authority to charge a 3.5 percent … (0 comments)

kitsap: Rural Housing Preservation and Stabilization Act (H.R. 5017) - 04/19/10 06:22 AM
One of the most frequent questions I get these days is "what is the future of the USDA program?  I hear they are out of funds?"
While this is true, I have always felt that they feds would find a way to renew funding for the program very soon.  They can't allow such a powerful program to sit on the sidelines and disrupt the already fragile market, possibly reversing some to the momentum we as taxpayers have already paid for.
It sounds like our government representatives agree, as the Rural Housing Preservation and Stabilization Act (H.R. 5017) is now being proposed.

kitsap: Navy League - Bremerton Olympic Peninsula Council - 04/06/10 12:04 PM
I wanted to take a moment to announce that the Silverdale Legacy Group office is now a Community Affiliate member of the Bremerton Olympic Peninsula Council of the Navy League.

Photo taken at Navy League Luncheon, 2/9/10

kitsap: Market Update - 03/26/10 11:15 AM
Just a few quick thoughts I wanted to get out to potential who may be wondering if now is the right time to pull the trigger on a new home purchase:
1.  The Fed's purchase program for Mortgage Backed securities will end on March 31st.  This will almost certainly result in higher interest rates for mortgage loans in the near future.
2.  As of April 5th, the FHA up-front Mortgage Insurance Premium is going up from 1.75% to 2.25% of the base loan amount.  This will increase the UFMIP for a home purchase price of $200,000 by almost $1,000.
3.  To qualify … (0 comments)

kitsap: USDA OUT OF MONEY...? - 03/10/10 08:59 AM

photo courtesy of Francesco Marino at
The rumors are already swirling that USDA could be running out of money to fund loans in the near future.  I received the following e-mail this morning:
"Loan Officers,
This message is to notify you that program funding for the single Family Housing Guaranteed Loan Program will likely be exhausted by the end of April, 2010.
Once funding is exhausted, the Agency will not issue Conditional commitments "subject to receipt of appropriated funds."  This is because it is not certain when additional funding will be available.
Limited Funding may become available for disaster … (0 comments)

kitsap: Priceless Advice from Warren Buffet - 03/03/10 12:45 PM
"Please Hold for Mister Buffett" is the title of the current Business Week (March 8, 2010 issue, pg. 30) Magazine cover story.  The tag on the cover said "What's it like to have The Oracle as your biggest shareholder?  CEOs share the good and bad that comes with answering to Warren."
I found one quote in the article, attributed to Mr. Buffet, very evocative.  He said "Those who won't fill your pocket will fill your ears."
I thought about times in my life where somebody was trying to pitch an investment to me, and the light bulb went off! If somebody is trying … (2 comments)

Kevin Hancock, The Hancock Mortgage Team (Evergreen Home Loans)

Kevin Hancock

The Hancock Mortgage Team

Poulsbo, WA

More about me…

Evergreen Home Loans

Address: 2021 NW Myhre Rd, Suite 112, Silverdale, WA, 98383

Office: (360) 698-6478

Mobile: (206) 849-6326

Email Me




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