Do not use evergreen as your lender! I got lied to day 1 about them matching competitors rates and buying down on points. I went through the entire process of getting a loan through them and no joke 4 days before closing he tacks on an extra $4,000 that I need to pay up front from "inaccurate guessing on buying down costs (he didn't actually do any math) and also evergreen won't match the interest rate like I was promised. Then I got bullied and was put into the bad guy position of holding up the sale because he lied to me to get my business. I plan on reporting to the BBB. DO NOT USE EVERGREEN. And for whatever reason you do, get everything in writing, not over the phone.