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Home Purchase Loans and Refinance in California
Welcome to the official site of Reliance Home Loans. We are a full-service mortgage company based in Folsom, CA. We specialize in Home Purchase Loans and Refinance in California. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, we offer the following:
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
Contact Reliance Home Loans today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
What Our Customers Are Saying
"Evangeline and her team are great! They explained everything regarding our loan in a simple to understand manner, which led to a top notch experience!"
"We worked with Evangeline and Ashley and were very impressed by their team. This was our second home purchase experience, but first with Reliance. Their communication and attention was truly great and we can't recommend them enough. I was relentless with questions and comments and they addressed each and every one promptly and sufficiently. If our next home purchase is in their service area we will 100% be working with them again."
Margarita Ramirez CA-Rancho Cordova
"Sarah has been amazing through this whole process. Normally I am very organized but I had same many things going on at one time that Sarah had to keep me in line. I am so grateful for that. I had to jump through some hoops with finally being able to refinance and Evangeline kept me posted as to when I could finally refinance. You need to be able to trust the company you are working with and THIS is the team you can trust. Thank you!!!!!"
"Evangeline Scott is always on top of it, very fast and communicative throughout the escrow."
"Team Scott is the team to go to for your Home Loan needs! They were easy to work with and helped every step of the way when I was purchasing my home. Highly recommend this team! Shout out to Ashley and Evangeline for making this home buying process too easy. Thanks again!"
"I just used Evangeline for the second time in six years to purchase a home. I cannot stress enough how easy this experience was. From the date I received my loan acceptance to my date signing with title it was only 14 days. I am blown away by how quickly we got it done and how little stress I felt throughout the process! I shopped around for rates and Evangeline offered the most competitive rate. Even if she had not, I would have been willing to pay a slightly higher rate for the stellar service I received!"
"Evangeline and Sarah helped with 3 loans (2 refi and 1 new loan) over the course of about a month. Sarah helped navigate the process and coordinate with all the different parties and send frequent updates. I am very happy with the process and the outcome. Will definitely come back for my next loan."
"Team Evangeline is ALWAYS a pleasure to work with. They make the process understandable, efficient, easy, and are incredibly responsive and reliable. We also love how community oriented they are and how their business model seems to focus on what's best for their clients, it definitely feels personal and we felt very "taken care of"."
"Evangeline and Ashley were amazing to work with! The process was so easy and they were so responsive and proactive when updating us with the loan process. We could not be happier with their service and will recommend them to everyone!"
"And BOOM ???? just like that! Refi ? killer rate ? all documents, verifications and signing ?? smooth, fast, and beyond efficient. Constant communication at every step including regular updates. Evangeline and her team are and always have been absolute TOP NOTCH! Is there anything this woman CAN’T do?! Thank you TEAM SCOTT from the bottom of my heart. ??"
"Evangeline and here team are top notch! They made my first time home buying experience smooth and stress free. Sarah is a rockstar, she is so responsive, understanding, and supportive, you can tell she really loves to help people. I feel very lucky to have had them by my side during this big milestone in my life. Super excited to recommend them to tall my friends and family!!!"
"So thankful for this team! Amazing job! Thanks for everything!"
"FAST, EASY, AND A TON OF COMMUNICATION!!!! It's in all CAPS because I am shouting how awesome they are at the above things. They are great!"
"Love how closely they work with you to get everything needed done. They kept me updated throughout the process and there were no surprises. So happy that I refinanced with Evangeline. ????"
"Evangeline and Ashley helped me to close on a house in just 30 days. They were efficient, pleasant and available at all times for all the questions that I had - and there were many :-). They also smoothly coordinated with the exchange paperwork and with the title agency that was from another state. They made buying a house, that is a huge and complex endeavor, a simple and very pleasant experience. Great team!"
"Evangeline and her team are incredible!!! We went through Evangeline to purchase our home and most recently to refinance our home and both times they truly did everything to make this work for us, listened to our needs and goals and smashed any and every challenge we faced. I cannot thank them enough and I would recommend them a million times over!!"
"Evangeline's team is amazing. One of the most communicative lenders I've worked with. They took great care of my client and was able to close early. They are definitely on the top of my referral list."
"Evangeline, Sarah and the team are on it! From the day I contacted them it’s been on and cracking. They make sure I was in the loop with everything. They made the process easy and stress free for me. These Ladies were professional and a pleasure to work with in my refi. I hope to do business with them again. THANK YOU!"
"I have to give a shout out Evangeline, Ashley, and the entire reliance home loans team. They did an amazing job with helping my wife and I buy our new home. Evangeline & Ashley were on it from the very beginning and they were very helpful with any questions my wife and I had. They got us a great interest rate for our jumbo loan. I'd highly recommend them to anyone purchasing a home or with refinancing! My wife and I appreciated the weekly updates! Thank you again for the amazing teamwork!"
"Thank you Team Scott for a stress free, fast refi process! I started with another company and things just didn't seem right. Evangeline swooped in to save the day and her team transformed my experience into one built on trust and knowledge. Your team has many customers each month but somehow you made me feel like #1! Thank you all for your dedication to me!"
"The Reliance Home Loans team has done it again! We were working with a local credit union for HELOC…very slow, poor communication and obstacles with underwriting. Ended up reaching out to Evangeline and team for advice and she gave us good market news and made an alternative suggestion to refi which we did! As always, working with Evangeline and team (Sarah is also amazing!) we restarted the process, great communication, no obstacles at all and closed quickly to top it all off. We can not recommend Reliance Home Loans more. You will feel taken care of from start to finish with no regret!"
"We have now done both a refinance and a purchase with Evangeline. We cannot recommend her more highly. She and her team are amazing-professional, courteous, great communication and an advocate for our situation. Thank you! We will use you in the future and recommend you to our friends and family. -The Sotos"
"Evangeline and her team, (shoutout to Sarah!) were amazing! This was our first time applying for a home loan and they were very professional and great communicators. Her website also made it so easy to upload all documentation needed as well as to sign any forms that needed our signatures. We highly recommend Evangeline and even our realtor was very impress while working with them. Thank you so much for all your help with the purchase of our new home."
"Working with Reliance Home Loans and with Team Scott (Evangeline, Sarah and team!) is one of the best decisions you can make to take the stress out of the home loan process. Evangeline knows her stuff and keeps up to date with information that changes on a daily, and sometimes hourly basis! Her advice is timely and her staff will persuade, gently and insistently if the message isn't received! :) Thank you, Reliance Home Loans for taking the stress out of this process and updating us every step of the way!"
"5 stars all the way!!! Evangeline and her team makes us feel like family. This process for us to refinance was so effortless due to their hard work and dedication. Couldn’t imagine going through this process with anyone else. Weekly updates (and extra weekly updates) kept us in the loop with how everything was going! They are such an awesome team to work with!!! Highly recommended!!!"
"Evangeline and her team went ABOVE and BEYOND to make this process go smoothly for me. They were so supportive, encouraging and fun! They worked quickly and efficiently, answered questions promptly and walked me through each step. They are definitely who you want on your team and in your corner. Highly recommend! Thank you!!"
"Thank you so much Evangeline and Team Scott for making our home refinance such a smooth and painless process! Very professional with continuous status updates. If anyone reading this is looking for a great mortgage planner, look no further. Team Scott is absolute BEST IN CLASS!!"
"5 stars all the way!!! Sarah, Evangeline and MB are so amazing at what they do. For this being our first time refinancing they made us feel so comfortable asking ANYTHING. Im sure they felt like they were repeating them selves at times but we appreciate them being so patient with us. I am an agent and really looking forward to sending my people to these girls cause I know they will give the upmost service and beyond. Im just so sad we forgot to take our signing selfie!! I guess this means we have to get a martini/celebration selfie to make up for it ;)"
Ashley Joves, DDS
"Evangeline and her incredible staff have exceeded our expectations on every level! Professional, prompt, and very attentive to detail. Best team around!! Thank you SO much for all the hand holding throughout the process!! We couldn't have asked for a better team to handle our home refinance. You guys rock!"
"Amazing experience! Constant communication was a blessing. The courtesy and professionalism of this group is beyond measure. I highly recommend their services for a quick and convenient refinance."
"Evangeline and staff earn the highest rating from me, 5+ stars! They responded to all of my questions promptly and made me feel reassured. Evangeline is amazing and I would recommend her to anyone! Thank you for all your help!"
"I would give Evangeline and her staff more than 5 stars if I could! By far the best certified mortgage planner I’ve ever dealt with. Trust me, all you have to do is provide the info that she requests, and everything will get done on time. Most importantly, she will respond to every email, text, or phone call promptly. This women is efficient and always one step ahead, and I would recommend her to anyone purchasing a home! Many thanks to Evangeline and Sarah."
"Buying your first home is scary, but it’s not so bad when you have Evangeline and her team by your side! They made the process super quick and easy! Forever grateful to have worked with them! ?? Highly recommend working with Team Scott, especially if you are a first time home buyer, you will know you have a supportive, organized, and honest team behind you! ????"
"We are so pleased to report what a fantastic job Evangeline did for us as we sold our home of 27 years and bought a new home we are in love with. We were VERY anxious as we had to close our home before we could even make an offer and time frames were tight. At every single point, Evangeline was responsive, helpful and QUICK. We didn’t have even one glitch. Not one! Our loan closed in less than 30 days - which was a Godsend to us. She worked with our agent (also fabulous! Steve Davies from ReMax Gold) so that the sellers had everything they needed as we progressed through each stage. Couldn’t be any happier. You can’t go wrong. Seriously."
"Evangeline, Sarah, and the entire Scott Team, Thank You! Very responsive, extremely prompt and excellent service. The smoothest and fastest refinance we have ever had. Will highly recommend."
"Amazing team! This is the third time I've used their services and could not be happier! They've answered all of my questions promptly and communicated all the details I needed to know through the whole process. I have recommended and will continue to recommend their services."
"Evangeline took care of us, like family."
"Evangeline & Sarah are really the best they provided excellent services! They are great at explaining everything and answering all questions I had as well. They have made my process run so smooth! Previously I have had many bad experiences with my home loan but lucky Evangeline and Sarah came to save the day! I will definitely choose you guys in the future again! Thank you for always keeping me updated keeping me worry-free as a first time home buyer. I highly recommend them and will definitely choose you guys again in the future! Keep up the good work girls!"
"Team Scott rocks! They held my hand through a crazy sale/acquisition, and now helped me smoothly sail through a Refi!!"
"2 home loans and now a refi. Yes Evangeline and team have helped us once again and we keep coming back because she makes it so easy. All we had to do was say what we were looking for in terms of a refi and Evangeline did the rest. Thank you Sarah for the great communication and easy to follow instructions. You guys are the best!"
"Evangeline, Ashley and team provided excellent service and were available to answer my questions throughout the process. They kept me updated periodically and kept me worry-free as a first-time home buyer. I highly recommend them and would definitely pick them another time."
"This our second go-round with Evangeline and Sarah. Excellent service, and efficient navigation of all the paperwork involved in home finance. If you dread the process, choose this team and relieve your anxiety."
"I am a Real Estate Agent and in my line of work I do many deals. My transaction with Evangeline, Sarah and their team was nothing short of amazing!! They were energetic, timely, efficient and kept myself and my clients updated every step of the way! I highly recommend them if you are looking to get your deal done right!! I look forward to doing more business with them in the future!"
"Evangeline, Sarah, and her whole team were amazing and so helpful during the entire process! They were great at updating us and keeping us in the loop during every step of the process!"
"Evangeline and Ashely and there team were so awesome and helpful and really made the loan process easy they explained everything along the way, if your looking for a lender Teamscott is your go to. :)"
"My team at Reliance Home Loan was with me every step of the way. As a first time home buyer, I was particularly grateful for the willingness of Evangeline and Marybeth to keep me posted via email, phone calls and texts. I didnt miss a beat with this team and I highly recommend you become a part of it for all of your home loan needs. My loan was funded today! Thank you Evangeline!"
"Incredible people to deal with ! They give No fluff just the facts. Great great communication A+++. Every step of the way my wife and I were given updates from incredible staff. Highly recommend."
"We've been working with Evangeline and team for too many years to count. Refi last year, new home purchase this year - TOP NOTCH service (always up to date throughout the process) and results. They are the best!"
"Evangeline, Marybeth and the rest of the Reliance team have been amazing to work with. They are extremely prompt, professional and helped me close on my home in record time! The complexity of selling a home and buying a home in todays market is daunting and their team made the process as seamless and pain free as possible. I will certainly use their services again :)"
"We used Evangeline for our refinance and she made the process so easy. I would definitely recommend her."
"We refinanced with them a year ago and just closed on our current home with them. We love all the wonderful people and had great service. Evangeline and Sarah were so accessible and balanced despite having things change throughout the process."
"From start to finish, Evangeline and the team made the process of my first time home purchase a very smooth, easy and stress free process. At the beginning, my family and I were a bit anxious at first because we were relocating from NY to California and wanted to make sure we did not miss any important steps in the process. This instantly changed when we started working with Evangeline & her team! Evangeline and Marybeth were constantly checking in, providing updates, providing assistance, working hard and always made sure we were more than satisfied. They truly exceeded all of our expectations and I am looking forward to working with them in the near future on other deals! Thank you!!! Wael Hamad & Family"
"Evangeline and her team are amazing. Very quick to respond and always willing to help. This was my first time doing a refi, and they were very patient, and answered all of my questions."
"Evangeline and her team went above and beyond to overcome barriers and complete the process quickly and smoothly."
"Evangeline and Sarah were Amazing to work with as I was able to get the best interest rate for a Rental Property. They were very proactive and detailed on what was needed. Any questions I had they were quick to respond. Overall they made this process easy for me and was able to close sooner than expected. Thank You Again Evangeline and Team."
"Evangeline is committed to providing her clients with amazing service! She's easy to reach by phone and email and has a great team to help throughout the purchase transaction. Her loan process is very efficient too. I highly recommend Evangeline and look forward to helping more mutual clients with her!"
"My wife and I have been working with Evangeline and her team for years now, not only for our first loan, but a second one as well. Not only did she assist us though, she also assisted my parents with their house loan, and my parents just got the keys to their first home yesterday! My parents aren't computer literate so I was their point of contact for much of their email exchanges and when they requested documents. Through out the whole process Evangeline, and Marybeth were amazing and understanding, and very very patient as well. We highly recommend Reliance Home Loans and her team. Many many thanks, especially from my parents Lucio & Elvira."
"Evangeline and her team are amazing! Our entire refinance process went so fast, smooth, and efficient. It was completed within 3 weeks! We love their impressive communication system and "Tuesday Update". They worked so hard to get everything done on time. Very professional, knowledgeable, and helpful. We highly recommend Team Scott! Thank you Team Scott! Woop Woop!!!"
"Evangeline and her team were Amazing to work with. Not only did they give us the best price but they worked their magic to make everything go so smoothly and fast. Evangeline and Sarah always kept us up to date and made the process so easy. I highly recommend the Scott team."
"I've worked with Evangeline and her awesome team on more than one transaction, and it's always a pleasure. She's very professional, quite knowledgeable, and my buyer clients have been extremely satisfied with their lending experience. Evangeline is proactive from day one. When I submit an offer on behalf of my client, she sends a follow-up email to the listing agent to let him/her know how easy the transaction will go if their sellers accept our offer. She keeps everyone looped in on the transaction on a regular basis - all deadlines and phases of the process - so there is no guesswork, and she's always available to answer any questions along the way. Couldn't more highly recommend her! Lori Lasley Keller Williams Capital Valley"
"Very knowledgeable and sweet! You can tell she cares about her clients."
"Spoke with Evangeline about our plans for purchasing. She was super helpful, knowledgeable, friendly and honest."
"Evangeline and her team are amazing. They make refinancing so easy and worry free. I have recommended her to everyone I know looking to get a mortgage or refi and they all agree."
"Evangeline was referred to me by a good friend. I am so thankful! My refi was a complicated one to say the least and She and her team worked through many scenarios to make it work exactly how I needed it to. The process was simple, even during a pandemic! All of my questions were answered and I was always made to be completely comfortable. I HIGHLY recommend Reliance. Thank you Team Scott , Evangeline and Sarah - Woop Woop!"
"Evangeline and her team helped me with the original purchase of my home four years ago. At that time, she earned my trust that she knows her stuff. When I recently decided to inquire whether it was a good idea to refinance my loan, I went right back to Evangeline. The website for initial information and document entry had a glitch, but Evangeline helped behind the scenes. As mentioned by others, the communication is very timely, so you always know the status of your loan and aren't left guessing. If you want to work with someone you can trust, I highly recommend Evangeline."
"We were referred to Evangeline by multiple co- workers who had gone though the process with her team and they were always very satisfied. Our experience was no different. Evangeline and her team were fast and efficient and the communication was amazing. Our refinance process was quick, painless and we got an amazing rate saving us a substantial amount of money. I will recommend Evangeline and her team to anyone looking to refinance their home and I would definitely use them again if we ever needed to."
"10 stars really!! We have worked with Evangeline and team multiple times through the years and always will. The communication does it for me! Our first home loan was SO tricky and they made it happen. Fast forward to last December. Our loan was crazy easy. Which was a real blessing because the purchase of our home was a little bit of a nightmare, so thank goodness the Reliance team made the finance side so awesome. They worked so hard to get the timing of all the things done! And a special shout out to Mary Beth!! Thank you for being there EVERY single time I needed help."
"Evangeline, Marybeth and the Reliance team helped me close on my first home! I am very happy with the service they provided. They helped me move fast and were very helpful every step of the way."
"Did someone say “amazing”? Evangeline and her team we’re able to help us close fast. We communicated on the regular especially after we went under contract. I loved her “Tuesday updates” which painted the picture for us about where we were in the process. It was so refreshing to have the over-communication from her team, compared with the utter lack of communication and help we received from our title company. Two different parts of the process, but it shows how much good communication matters and Evangeline’s is TOP NOTCH!!! When we go to buy our next home, Evangeline will be one of our very first calls :)"
"Just closed our refinance savings hundreds each month. The team at Reliance was on task and kept everything on track to complete the process. They picked up docs and returned after making copies. Actually we had it all completed and the signing of the closing docs was done in our home with their mobile notary. We appreciate the savings and professionalism. Jim & Renee"
"The Reliance Home Loans Team and Evangeline made the home buying process go so smoothly. They were clear about what was needed from us and helped us close in two weeks! They are amazing to work with and have your best interests in mind."
"Ms. Scott is the best at the refi of my residence! An acquaintance specifically recommended Ms. Scott and she handled this refi process in record time! I have recommended her and will continue to do so with friends and family. I thank her for the OUTSTANDING refinance process services."
"This is the second time that I have used Evangeline and her team! She helped us purchased our home 5 years ago and now with refinancing our home. Her team makes the processes very easy, while ensuring we are educated and informed about all steps and decisions. I highly recommend Team Scott!"
"This is the second time I have used Evangeline Scott and her team. Communication was excellent. Patient and helpful with any questions I had. Updates were timely. Fast and efficient. All "paperwork" that was done online was easy to understand. Overall I give Evangeline Scott and her team a 5+"
"We were referred to Evangeline by a co- worker who has gone though her process a few times over the years and they were always very satisfied. Our experience was no different Evangeline and her team were fast and efficient. The entire refinance process took less than 4 weeks, we got an amazing rate and some cash out to do some home repairs. I will recommend Evangeline and her team to anyone looking to refinance their home and I would definitely use them again if we ever needed to."
"We have worked with Evangeline since 2015 when we bought our home. We did a refi with her in 2018 and it was a great experience. Then 2 weeks ago I finally decided to take advantage of the great rates and today our refi is done. The communication was amazing every step of the way. I highly recommend Evangeline and her team. We worked closely with Sarah as well and she was a rockstar just like Evangeline! Everything was simple and easy. I’m glad I went ahead and asked if it would be a good deal for us. We got a great rate and saving money each month."
"Dealing with its Evangeline and her team was very easy. The word I used often during the process was “effortless” Great communication, clear instruction, follow ups, all means of communications - phone calls, texts, emails. And very knowledgeable team. Thank you!"
"We've been working with Evangeline and her team for many years now. They handle our personal loans and the loan of our clients (we're Realtors). They are always professional and supportive from beginning to end. Their ongoing communication is excellent and they're always available to answer questions. We will continue to work with them and continue to refer our clients."
"Evangeline and here team are the BEST! They helped us purchase our home in 2018 and again this year refinancing that same home. She was able to get us an amazing unbelievable interest rate of 1.999% at only 15 years! Their process is always fast and efficient. They keep you up to date on every single step of the way and respond to any questions immediately either via email or text. My wife and I have recommended her to many of our friends and all have had great experience. If you’re looking for a great team stop looking because you will not find nothing better than them."
Samantha Stone Avneri
"Working with Evangeline and her team is truly the best. They get an A+ for communication as you are always in the loop on where you stand and they're all quick to answer questions. A+ for efficiency - in our few experiences with the team, we've always closed early. A+ for friendliness - this team really loves what they do and they show it! We appreciate how kind, helpful, and knowledgeable everyone is."
"Evangeline and Sarah are amazing! This is the second time they have helped me. They know what they are doing and are well prepared and help you every step of the way. They are professional, informative, educated and I don't think that anyone could do their job better!"
"What can I say that hasn't already been said. I called Evangeline about refinancing my home and within two weeks , thanks to Sarah and Evangeline, my refinance was completed. It was so easy and quick. I can't thank you enough for your professionalism and kindness. Thank you again!"
"Evangeline and Ashley did a great job of helping me purchase my first single family home. They were clear, concise and offered constant communication to let me know where we were in the process. I didn't feel like it was a chore to give them the information they needed. Thanks again Team Scott."
"Simply put, Evangeline, and her team (especially Sarah!!), are excellent at what they do! I felt very supported during the entire process and was updated of what was occurring at every step in the process. Their team was always responsive, punctual and efficient during the entire process. I highly recommend this team for any home loan needs!! :)"
" Evangeline is my absolute go-to for my clients! Her stellar communication and her ability to streamline and explain the loan process makes even complicated transactions run smoothly. Her whole team is outstanding and she obviously leads by example! Everyone is so helpful, friendly, professional and educated. So knowledgeable, she REALLY knows her stuff! She has helped so many of my clients who all but gave up the hope of buying a home become homeowners and she goes to the ends of the earth to help people reach their goals!"
"We have been working with Evangeline and her team since 2004! She has done loans for us personally and for countless clients. Her ability to always have amazing customer service and attention to detail combined with a heart to give back to our community in so many ways are just a couple of the ways that she stands out as one of the best mortgage lenders that we have had the pleasure of working with. If you are looking for someone that cares for her clients, is innovative and creative with finding solutions when other's cannot and always goes above and beyond for clients, agents and the community, Evangeline and her team should be your choice!"
"I’ve worked with Evangeline over the past 8 years in the real estate field. Her communication is the best along with her care for clients & everyone involved in the transaction. She goes above and beyond every time to make sure we meet all timelines while in escrow and helps many organizations throughout our local community. Not only does she help our Veterans here locally in many ways she also has donated hundreds of wheelchairs to families in need with no ability to walk or purchase one themselves. Thank you Evangeline for all you do in and out of the real estate field!"
"Evangeline is an experienced, organized professional loan officer with a great team supporting her. She has helped many of my clients, family and friends purchase or refinance homes over the 10 or so years I've known her. In addition to her excellence in service, she also serves the community, sponsoring charitable events, and supporting local businesses. She is an asset to our community and our profession."
" Just first and foremost, Evangeline is by FAR the most giving human on this earth. Do a bit of research..... That being said, my husband and I were invited to a dinner at their house with the only plans for it being to actually HELP VETERANS. Wrong person to put that on and blast the hardworking business that is so incredibly hard to survive in during this time. I will always and forever trust Phil and Evangeline with any home needs we will have and challenge anyone that states otherwise. Bring it."
"Evangeline and her team are simply amazing. Everyone on the team is knowledgeable, organized, quick and efficient. We highly recommend TEAM SCOTT!"
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