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:

FHA | VA | USDA | HomePath | Jumbo | Conventional

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:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Jumbo

Contact Reliance Home Loans today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

What our clients say about us!

We lost our home in The Great Recession to a bad loan that we should have never been placed in. We were in the hands of a predatory lender that talked a good talk. That was 16 years ago and it breaks my heart everyday when I think of it. So lenders scare me. Everyone says they have someone to recommend but it always felt like the same slippery slope we went down the first time and I would freak out and back out. Not this time. I was referred to Evangeline by our amazing Realtor who promised me she was solid gold and she wasnt lying! Evangeline and Sarah are the REAL DEAL. They are real people that talk to you in plain English (well mostly ????) and they made it clear from the start we were going to be best friends through this process. They walked side by side with us through it and were so supportive and patient with me and my plethora of emails! They were in constant communication and always available via phone, text or email. With my PTSD about buying a house they made it amazingly easy and as stress free as possible. I mean literally the only stress I had was self induced! They promised a 25 day closing and we are expected to collect our keys on day 22. We couldn't be more happy. She has made a client for life and I will always recommend her any chance I get.
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!
Easy and Fast! Oh my gosh, working with Evangeline/Sarah is so much better than Amandour last mortgage broker!!! In one day, submitted, loan scenarios, contact with Title Co. all with timely, easy communication! I actually understand what we're doing and who my mortgage co will be. NEVER going back!
Team Scott is the best ever! The smoothest, stress free 14 day close ever. Evangeline and Sarah are communicative, kind, and professional! I would never use anyone else ???? Thank you ????
I had the pleasure of working with Evangeline on a recent condo transaction, and I cannot recommend them enough. Their communication was exceptional from start to finish, keeping all parties informed and on track throughout the process. If you’re looking for a lender who is reliable, responsive, and truly committed to a smooth transaction, Evangeline with Reliance Home Loans is an excellent choice. I look forward to working together again soon!
Evangeline and Sarah are AMAZING! What an incredible team .we are retiring and trying to sell and buy a home which is overwhelming. It has been 32 years since we purchased a home and needless to say the process has changed. Evangeline and Sarah were incredibly kind, fun and professional they guided us through the process every step of the way .They were super efficient and stayed on top of every detail.The promise of a fast close is what got our offer accepted for our new home and they delivered .We closed in less than 14 days! We are incredibly grateful for their help and support. Todd and Sharon Pearson
We are repeat clients of Evangeline and team and look forward to working with them for many many more years to come. Evangeline and Sarah made the refinance process as smooth and easy as it could possibly, communicated every step of the way, and were always prompt to answer all of our questions. You’re in great hands with them!
My experience with Evangeline was amazing. She worked wonders to get me a loan. The lender for the home builder said I would never get a loan for under 5.6% and Evangeline got me 5.25%. She and Sarah were so helpful and a delight to work with.
Phenomenal! Evangeline and Sarah made what’s supposed to be a stressful experience effortless. I was kept apprised of everything throughout the entire process and they were able to get me the BEST rate available. If you want a top-notch, first-class mortgage broker, this is the one. Thank you, ladies!
Evangeline and team did a fantastic job navigating through this deal and went the extra mile with this first time home buyer! Job Well Done. Looking forward to working with you again!
Evangeline & Co did a fantastic job for her clients, and me as well, on the listing side of the transaction. Clear communication, the closing was on time, and everything was as smooth as any escrow can be. Great job to Evangeline and her team.
The Answer Home Loan team, Evangeline Scott and Sarah Woods, aka Team Scott Loans was extremely efficient, patient, and totally coordinated my two home closings within hours of each other! Thank you so much! You’re the best!
We ere so thankful that our realtor Madison MacArthur referred us to Evangeline Scott, and Sarah woods for our first home loan process. There are many positive things I can say about them but I just want to say how dedicated and communicative they were through the whole process and clarity. If I were to buy a second home , would definitely reach out to Evangeline, Sarah,and Madison they are such a phenomenal team.
I worked with Evangeline on a transaction recently and was very impressed, her communication was excellent and she kept me in the loop every step of the way. I knew at all times what was happening in the transaction and we were able to close on time and without any hiccups. I truly appreciate a lender who doesn't leave me in the dark the whole transaction!
I honestly can’t say enough good things about Evangeline and Sarah. From start to finish, this entire home loan process was smooth, professional, and handled with so much care and attention. As a self-employed business owner, I know how complicated documentation and underwriting can get. There were a lot of moving parts, questions, and follow-ups throughout the process, but Evangeline and Sarah were always responsive, patient, and extremely clear in their communication. Every time we needed clarification or guidance, they were there. No confusion, no stress, just solutions. What really stood out to me was how supported we felt the entire time. They made something that can normally feel overwhelming feel organized and manageable. That kind of professionalism and calm confidence makes a huge difference when you’re making one of the biggest financial decisions of your life. And to top it all off, we received a beautiful custom wooden cutting board engraved with our family name and a welcome design for our new home. That thoughtful gesture meant more than they probably realize. It showed that this wasn’t just another transaction to them, they truly care about their clients. If you’re looking for a lender who is knowledgeable, reliable, and genuinely invested in helping you succeed, I highly recommend working with Evangeline and Sarah. They made our home purchase experience an amazing one. Thank you both again for everything.
Evangeline and Sarah deserves a great big thank you for all the help they gave us in securing our first home. Their team is so organized and detailed that we felt so guided during the entire process. All the correspondence and requirements were handled so quickly that we even got approved within 3 days and with a good rate at that. Once again, THANK YOU!
Evangeline and Sarah are both amazing at what the do and made the whole process a breeze! They're very flexible and they kept me in the loop the whole time and had excellent communication. My family is more than grateful for all their help and would gladly recommend them to anyone!
Truly a fantastic team to work with! Evangeline and team helped us on our cross country home purchase and made the process as seamless as possible. I would absolutely use Evangeline and her team every time I buy and sell moving forward. Thanks for your hard work!
I cannot say enough good words about this team. From start to finish, they went above and beyond to make the process smooth and stress-free. Communication was always clear and easy and we were in the loop every step of the way. Always received a quick response to any questions and what could have been overwhelming felt completely manageable. We are so grateful to them and would recommend them to anyone without hesitation!
Reliance Home Loans- Evangeline and Sarah provide excellent service! Quick approvals, constant communication, and incredibly thorough. We have used them prior and always they have made the entire process stress free. We highly recommend Evangeline and Sarah at Reliance Home Loans
Evangeline and Sarah both did an outstanding job getting our loan through from start to end. We couldn’t have purchased our new home without team Scott leading the way!!
Exceptional Lending Team-Highly Recommend! I’ve had the pleasure of working with Evangeline and her assistant Sarah, both as a realtor and as a client, and I can confidently say they are outstanding in every way! From a realtor standpoint, their communication is top-tier. They are proactive, responsive, and transparent throughout the entire transaction. They keep everyone informed, meet deadlines, and solve problems before they ever become issues. Working with them makes my job easier and gives my clients confidence and peace of mind. From a client perspective, the experience was just as impressive. The team took the time to explain every step of the process, answered all questions with patience, and made what can often be a stressful experience feel smooth and manageable. Their professionalism, knowledge, and genuine care truly set them apart. This is a lending team that goes above and beyond, treats every transaction with urgency and integrity, and delivers results. I would absolutely recommend them to fellow realtors and anyone looking for a lender they can trust. Thank you for consistently providing an exceptional experience!
Evangeline is an excellent mortgage planner who helped us through the process by coordinating with the title company and bank. She took extreme ownership when one of the parties took too long and we reached the end of our rate lock in period. Instead of letting us incur a fee, she extended the rate lock in period at her own expense.
Evangeline and Sarah were so wonderful to work with! They were so kind and very communicative every step of the way. They made our first time buying a home so smooth and helped guide us every step of the way. Highly recommend!
I had an outstanding experience working with Evangeline. She patiently answered every question I had throughout the entire process and always made me feel informed and supported. Thanks to her expertise, I secured a fantastic interest rate and closed in just two weeks — something I didn’t even think was possible! Her team was equally exceptional. Every interaction with her office was professional, prompt, and incredibly knowledgeable. Their quick responses and attention to detail made the entire process smooth and stress-free. I genuinely enjoyed working with her and her team, and I highly recommend them to anyone looking for a seamless, positive lending experience.
Are you looking for a pro's pro? Are you looking for a fast and efficient loan process with great rates and superb customer service? Call Evangeline NOW. She is excellent.
Evangeline and her team are simply - THE BEST! They make the entire process so incredibly easy. Their wealth of knowledge and proactive guidance consistently contribute to smooth, successful transactions. I always appreciate their professionalism and partnership!
Evangeline and Sarah provide truly best in class service. They are proactive, highly communicative, and incredibly thorough. Their front-end preparation made the entire process seamless and allowed me to close quickly. If you’re looking for knowledgeable professionals who stay on top of every detail, I highly recommend Evangeline and Sarah at Reliance Home Loans.
The best partners are those that have the client's best interest as the #1 priority and do what it takes to ensure this is always the case. Ocampo Real Estate had an incredible experience with Evangeline and team. We received weekly updates, amongst milestone updates, to ensure we stayed on track with all deliverables. In fact, we finished ahead of schedule and Evangeline and team were critical partners in that achievement. We highly recommend working with them and we sure hope to work with them again in the near future!
I cannot say enough great things about my lending team at Reliance Home Loans! Evangeline and Sarah were there for us every step of the way, providing exceptional support throughout the process. They form a highly professional team, ensuring that we met all of our deadlines and stayed on track. What we appreciated most was their thoroughness in presenting us with various scenarios for different price ranges regarding our loan. This made it much easier to make informed decisions. Their attention to detail and proactive approach truly set them apart. I highly recommend Reliance Home Loans!
Everyone on Team Scott Loans has been fantastic. We had so many moving pieces and people involved, about 100 different scenarios to walk out - and all of it went through seamlessly. Thank you so much Evangeline and Sarah!!!
As a realtor, I’ve had the pleasure of working with Evangeline on multiple transactions, and she is consistently amazing! Communication is always clear, timely, and proactive, which makes a huge difference for both myself and my clients. She is incredibly knowledgeable, detail-oriented, and kind throughout the process. My clients feel confident and well cared for throughout the entire transaction - 5/5 stars every time!!
Evangeline and Sarah were outstanding! Super proactive, organized, and always a step ahead. Their weekly updates kept everyone aligned, and their teamwork made the process smooth. Evangeline’s depth of knowledge and resourcefulness protected my clients and gave me full confidence from start to finish. Highly recommend.
Where should I start? Evangeline has been our trusted mortgage planner for several personal transactions over the years, and each experience has only deepened our confidence in her expertise. From our very first encounter — when she revived a deal that a previous loan officer couldn’t save — she has set the standard for what exceptional service looks like. Every time we work with her, Evangeline delivers with precision, care, and a level of strategic thought partnership that’s truly unmatched. She takes the time to understand our goals and always finds a way to make them happen. If you need it done, Evangeline will get it done. Evangeline and team — we appreciate you more than you know!
Had such a great experience with Reliance Home Loans. Evangeline and her team we extremely helpful and willing to answer any questions we had. As first time home buyers it was great to have the support and feel comfortable throughout the process. Not to mention they worked so hard for us that we were able to close in less than 20 days!
Evangeline and her team are complete rockstars! They make the whole process a breeze and easy to understand! If you aren’t sure if you qualify or what kind of loan options you may be able to acquire please call Evangeline she will answer all of your questions and make your home buying experience a dream!
My wife and I have had an opportunity to utilize Evangeline and her team at Reliance Home Loans on more than one occasion. Most recently we had an outstanding experience with the mortgage loan team! From start to finish, they guided us through the loan package process with professionalism, clarity, and genuine care. Their responsiveness and attention to detail made what could have been a stressful journey feel smooth and manageable. We especially appreciated their proactive communication and ability to secure our loan approval efficiently and quickly. If you're looking for a team that truly has your back, this is it. Highly recommended!
We had an absolutely exceptional experience purchasing our home with Evangeline and her team at Reliance Homes. From our very first conversation, Evangeline demonstrated professionalism, deep market knowledge, and a genuine commitment to helping us with the right loan. She and her team were always responsive, transparent, and incredibly supportive throughout every step of the process, all the way to closing. What truly stood out was the personal care they brought to the experience. We never felt like just another client, they took the time to understand our needs, preferences, and concerns, and guided us with honesty and confidence. Their attention to detail, clear communication, and dedication made what could have been a stressful process feel smooth and exciting. We couldn’t have asked for a better team to work with and are so grateful for the guidance and care they provided. Highly recommend Evangeline and the Reliance Homes team to anyone looking to buy they truly go above and beyond!
Evangeline and her team are absolutely amazing! Going into this as a first-time buyer, I expected to feel overwhelmed — but they made everything so clear, comfortable, and stress-free. Their support, guidance, and genuine care made this an experience I’ll always be grateful for. I truly couldn’t have asked for a better team to help me purchase my first home!
Evangeline & her team worked hard on my purchase from advising prior to going in to a loan for debt and assisted my family on consolidating. When it came time to buy my home, they stayed in daily communication and we ended up closing 2 weeks early due to the pressure they were giving. My family & I will go back to Evangeline on everything her business offers due to the wealth of knowledge and speed.
Working with Evangeline and Sara was truly an incredible experience! From start to finish, they went above and beyond to make my home loan process smooth, stress-free, and even enjoyable. They were not only knowledgeable and professional but also patient and caring—always taking the time to explain every step clearly and answer all my questions. Their communication was outstanding; I always felt informed and supported throughout the process. What really stood out was how much they genuinely cared about helping me achieve my goals. They treated me like more than just a client—like family. Their dedication, expertise, and personal touch made all the difference, and I can honestly say I wouldn’t have wanted to go through this with anyone else. If you’re looking for a lender who combines expertise with true compassion and commitment, Evangeline and Sara at Reliance Home Loans, are the dream team. I’m beyond grateful for their help and will recommend them to anyone who needs a lender they can trust.
I wouldn’t go with anyone else but Evangeline. She is a master of her craft and using out of the box thinking she was able to find solutions for any/all roadblocks towards my loan qualification. She communicated to insure I was kept in the loop and handled the entire process with extreme professionalism. You will not go wrong with Evangeline on your team. Happy house hunting all!
Thank you so much to Evangeline and Sarah! The turn around time for a pre-approval letter was so quick, I was able to submit an offer to a home in less than 24 hours. They've made something so scary seem so easy! Honestly, every question or concern I had they were so quick to answer. I highly recommend this dream team!
Evangeline and her team were great to work with. I knew after the first few emails that they would be fun, but they were also super responsive and their follow-up was exceptional. As a Realtor® you don't know what you will get when your client uses a lender you've never worked with before. This time I was surprised, IN THE VERY BEST WAY! Thanks for all your hard work!
Evangeline and Sarah were amazing!! We had such a great experience working with them. From the very beginning, the pre-approval process was handled quickly and efficiently, giving us confidence moving forward. The entire loan process for our purchase was smooth and so much faster than we expected. Communication was clear, timely, and professional every step of the way. We truly appreciated the dedication and efficiency. I also appreciate how they went above and beyond to help me in a situation because they had the knowledge even though they had no obligation to step in and help me. They really care about their customers and do what is needed to get the job done. Thank you both for all your help!
Evangeline & Sarah are top notch! They are always ready to help and answered all the questions we had and made the process so easy and stress-free. They are amazing!
Evangeline and her team are amazing! Always available for us with every change we’ve encountered.
Evangeline made my refinance so easy and stress-free. She was able to get us the lowest interest rate and her closing costs were the best compared to the other companies I looked at. Evangeline and Sarah really listened to what I needed, explained everything clearly, and kept me updated the whole way through. It felt like working with a trusted friend, not just a loan officer. The whole team was professional, always friendly, and supportive throughout the process. I’m so grateful for her help and highly recommend them!
recently had the opportunity to work with Evangeline & her team, and I can't say enough about the professional work ethic exhibited by all of them! Thanks for doing your best throughout the entire process. Truly a pleasure to work with you! House Hunter Jen.
Evangeline and Sarah are incredible. They're always available for questions and work hard for you. My brother and I are new business owners and they've been a HUGE help in getting us oriented and with the right financing. We're so grateful!
Evangeline, I couldn't have done this without you and your team. It has been a too long process, but we did it. Thank you ever so much for your patience and understanding.
We were working on our first home loan with Evangeline and Sarah; they are great to work with, always on the phone answering all our questions and helping in our unusual and not easy situation to get the loan. We got all the approvals in; now we are happy homeowners.
Hands-down, the most amazing, seamless experience we’ve ever had. Evangeline and Sarah are professional, attentive,, amazing service and was genuinely understanding of our needs. And excited for our purchase . They gave us so many options to choose from which made it easy and walked us through every step. Everything went exactly as they predicted. We are so Greatful! Thank you !
Evangeline and Sarah made my first home purchase a breeze. They were always helpful and communicative.
I will officially be raving about Reliance Home Loans, Evangeline, Sarah and team to anyone and everyone who will listen for the rest of my life! I am BEYOND grateful for them! As a first time homebuyer this process felt terrifying and overwhelming. From the very beginning, Evangeline held our hand, explained everything in a way that it made sense to us, kept us organized, was available for all of our questions, and GOT SHIT DONE. When we finally went into escrow, Sarah kept us informed and on track with enthusiasm and kept us excited about the whole process. We ended up closing escrow in 2 weeks, thanks to how on top of things her team is ???? Beyond the actual home buying process, Evangeline pampers her clients with incredible experiences (reserving the zoo, or theaters for her clients, hosting Easter bunny and Santa pics, doing quarterly gift card giveaways and so much more), and pours into the community, supporting local girl scouts, charities, and doing community work. They are experts to the extreme and I truly believe there is no one better in the business. It felt amazing to know that we were in good hands and I could trust her completely to help us make the best choices for our family. THANK YOU SO MUCH!
Evangeline and Sarah were amazing to work with. I appreciate how they helped us to understand the whole home buying process and kept us organized and on track. Our offer on the house was accepted thanks to being able to do a fast close, which was fully possible thanks to Evangeline and Sarah. I would highly recommend them to anyone!
Evangaline is truly one of the best professionals you could choose when it comes to home loans. She is always accessible, takes the time to understand your unique situation, and provides multiple scenarios to ensure you have the best options available. Her dedication, expertise, and commitment to outstanding service make the entire process seamless and stress-free. I would recommend her without hesitation—work with confidence knowing you’re in the best hands.
Evangeline and Sarah were better than we ever could have hoped for! They got us pre-approved and educated before we started touring houses. Within days we were submitting our offer on our perfect home. Evangeline worked seamlessly with our realtor to facilitate an 18 day close… and got us closed EARLY even. This was an incredibly smooth transaction and I couldn’t have hoped for better
I am seriously so thankful I decided to use Reliance Home Loans for my lending needs! Evangeline and Sarah were both extremely knowledgeable, super responsive to alllllll my questions, and just genuinely good, down to earth people to have in my corner. You can tell they both love what they do and definitely love and give back to our community! They're the best!
As a first time homebuyer, we were so thankful to work with Evangeline and Sarah with Reliance Home Loans. The process was smooth, efficient, and FAST! They were both incredibly responsive if we had any questions (even responding late in the evenings!). It is clear they are committed to their clients success and happiness.
Updated to add: Because of Evangeline and Sarah’s expertise, we felt confident in gettinging their support with navigating some financial questions, and they couldn’t have made the process easier or smoother. Five stars, two thumbs up, no notes! ?? TL;DR: You want to work with Evangeline. Her reputation and work ethic are legendary. Evangeline takes a very complicated, intimidating process and breaks it down in a way that will make sense. Not only that, but her team is professional, thorough, and very easy to work with. Since we were moving from out of state, quality communication was absolutely essential and she and her team were great to work with. Not only that, but they were always proactive in providing a few scenarios as options for us to work through in order to secure a loan that would work best for our family and budget. This team is the epitome of under-promise/over-deliver, which is exactly what you want during this stressful process! We were lucky to have been referred, and honestly I can't imagine working with anyone else in the future in this capacity.
Evangeline and her entire team were nothing short of fantastic. Thorough in explaining the process and expectations. Everyone was prompt in communication. Due to her diligence and thoroughness we were able to close and move into our new home sooner. Would use Evangeline again and recommend to anyone.
Evangeline & Sarah were wonderful to work with. Both incredibly knowledgable, you could tell they were looking out for us as we navigated the journey of buying our first home. Thank you both!
We have used Reliance Home Loans twice now. They are extremely competent and work quickly to get you the best loan available. Would use them again in a heartbeat!
I absolutely loved working with dream team Evangeline and Sarah! They have EXCELLENT communication and closed my client’s transaction in record time! I can’t wait to work with them again!!
On January 27th We closed on our first home with the help of an Evangeline and her team. They were so supportive and walked us through the entire process. They are so thankful for their help and getting us into the home of our dreams. Evangeline and her team are honest hard-working people that deserve our trust. I can’t thank them enough from the Hinch family. Thank you.
Evangeline did a fabulous job for a buyer who recently purchased one of our listings! Great communication!
Evangeline and Sarah are truly the Dream Team! This is my second time working with Reliance Home Loans and they are amazing! I was a first time homebuyer a few years ago and Evangeline and her team made my dream of purchasing my first home a reality, taking me though each step with such care and efficiency. Fast forward a few years later and they were there for me again with another home purchase. They are true advocates for their clients and I cannot appreciate them enough!
OMG!! OMG!!! OMG!!! Evangeline and Sarah are simply amazing. They have helped my wife and I through everything for the last 10 years! They helped us every step of the way when we found our home this last month. They are amazing and have done amazing things work for us. I highly recommend Evangeline and her team for all of your Home Loan needs from now and until the end of time. Thank you E and your team for helping find our home
Evangeline and her team earned every one of those stars! We were first time buyers and needed a lot of help. I had no idea how to navigate the process and Evangeline was so patient and kind. I can tell she is busy and her world is fast paced, but she always took time to answer my questions thoroughly and never made us feel bad about asking for help. Our situation forced us to move quickly and they were so on top of every aspect of the purchase. Don’t go anywhere else for a loan. E and her team won’t disappoint!!!
I can't rave enough about how professional and efficient Evangeline and her team are. We look forward to working with them again for all our future needs. ??1
I had a good experience working with Evangeline Scott and her team at Reliance Home Loans. Their customer service was outstanding. I was impressed by their commitment to going the extra mile to help me.
Evangeline and her assistant Sarah are AMAZING!! They helped us get into our dream home and in record closing time!! I appreciate everything they've done for us through the selling and buying process!! Definitely recommended using Reliance Home Loans!! If we sell and buy again in the area we'll definitely be using your services again!! Thank you!!
Evangeline and her team were great to work with, always communicating every step of the process. They are so knowledgeable and were on top of the loan from start to finish. We look forward to working with them again!
Evangeline & her team are the absolute BEST! We received epic customer service. They were able to help us pull off the near impossible in a short timeframe. By far the best Christmas gift we’ve ever received! Thank you for all of your time, energy & effort. We appreciate you!
She’s not only my personal lender but also the lender I refer all my clients to. Evangeline and team are beyond epic. She has been in my corner and the corner of every buyer’s deal I’ve done for over a decade. A review and 5 stars is just a small token I can show for my insane appreciation I have for her and Sarah. ??
Evangeline & Sarah have assisted us with two very different home buying experiences. They are simply heaven sent! Their knowledge, patience & support is like no other! I couldn’t imagine recommending anyone other than them to go through this process with. We are so grateful that our Relator, Whitney Jacir sent us their way! Thank you for everything, you ladies rock!!
We had the pleasure of working with Evangeline and Sarah on our first home purchase. Evangeline came recommended by our realtor, Rene Morales, and we had a great experience. They were responsive and professional, and entertained our endless and repetitive questions. They helped us navigate the process and close on time. We're super happy that we chose to work with Evangeline, and recommend that you give them a try, you'll thank yourself later!
We are beyond thankful to have worked with Evangeline and Sarah. We greatly appreciated their thoroughness and getting us the best loan options as a first time home buyer that we can afford. They patiently answered all our questions, provided updates, and was attentive to respond to all contact part of the transaction to have quick close. I highly recommend them to our loved ones.
Evangeline and her team are the real deal! We just closed on a very quick transaction in Rocklin and her team was ready to close early! They are extremely responsive to all parties involved and provide weekly updates to make sure everyone knows what is happening. Very professional operation. Look forward to working with them again soon.
Evangeline and her maestro of Mayhem, Sarah are absolutely fantastic at what they do. They know the market and they have the answers to any questions you can think of for your lending needs. We purchased our first home and couldn't even imagine dealing with anyone else! Thank you for everything!
Because of outside issues, there were lots of hoops to jump thru to get my reverse mortgage finalized…Reliance stayed on the job got it done!
Great to work with and made things incredibly simple!
We found Evangeline and her team to be professional and very responsive. They were all a joy to work with. She was recommended through a friend and had a sterling reputation to which she and her team lived up to. Our side of the process went very smoothly until the very last minute. We experienced a “hiccup” and it looked like perhaps the entire deal would be tossed. She intervened on our behalf and provided a calming and reassuring presence for us. Thanks to Evangeline and her team we have begun to settle into the home of our dreams. We would recommend her (and her team) to make your dreams come true as well.
Evangeline with Reliance was so easy to work with. She was knowledgeable and made the crazy process of home buying seamless. Not only that she’s also delightful. I would highly recommend them many times over!
Evangeline and her staff were amazing throughout the whole lending process. They were very knowledgeable and quick to respond back to any questions I had. They were very professional and handled all business immediately. I would strongly recommend them for any lending needs. A truly fantastic experience, I would rate them 6 stars if it allowed me to. Thank you Evangeline and team! ????
This team is the greatest to work with. They really take care of you and do the best job at making sure you get what you want while making sure you can afford it. I will always come back to them for any purchases or refinances or anything else that I can. Best in the business.
Love this team! Evangeline and her amazing office (Sarah and team) pivot as needed to get the job done on time. The weekly and daily updates are on point, and they hustle to make sure their clients are happy. Thank you so much for the support and professionalism!
Very reliable and responsive. Fun group of people and always super helpful with any questions you may have ????????
I’ve used Evangeline for both a refinance and home purchase. Both times her and Sarah have given phenomenal customer service. I love when you can talk to them like friends! Would highly recommend :)
Thank you Evangeline Scott and her amazing team! She helped us purchase our first home in 2016 and just helped us purchase our dream homestead! She and her team make the chaos of home buying so easy and, dare I say, stress free! There is no one I would recommend more. Thank you, thank you, thank you!
Working as the buyers agent on a recent transaction with Evangeline and team, was an absolute pleasure! Communication was top notch which made for a seamless transaction. 10/10 would recommend!
Evangeline and her team are amazing I was referred to her by my realtor Sheryl smith of Smith real estate she negotiated a fifteen day close and Evangeline made it happen. If you don't understand any part of the process they are more than happy to explain everything to you. Everyone went above and beyond from my realtor Sheryl Smith to Evangeline and her team.
I have known Evangeline for more than 20 years. She is one of the best people and lenders I know. She communicates well, her follow up is amazing, and her staff is the best, especially Sarah. I highly recommend them if you have any mortgage finance needs.
Wow. This was amazing. I heard working with Evangeline was next level, but I did not realize how much higher the level could go. This woman and her team went FAR BEYOND my expectations as a lender - and I am a realtor and real estate investor. Thank you, Evangeline. I'm blown away.
I recently had the pleasure of working with Evangeline as she assisted the Buyers with their VA Loan to purchase one of my listings in El Dorado County. She was not only kind and professional, but also very communicative which is something I pride myself on in my own business. It's always so refreshing to meet true professionals such as Evangeline in this business because the process tends to be smoother and more enjoyable! I look forward to the prospect of working with Evangeline again in the future and was so thankful for her stellar work throughout our escrow!
Evangeline and her whole team were professional, thorough and friendly to boot. They kept me in the loop and made my first home purchase (on my own) so easy. They explained everything and probably the most valuable part was the time Evangeline took with me before I started my real search (not just dream looking) to really find out what my financial goals were and come up with what my purchasing power would be. She never once tried to talk me into spending more than I was comfortable with, which was my experience with another lender. Thanks you Evangeline, Sarah and everyone else in your office!
Amazing customer service and very fast loan approval. It was a wonderful experience to work with Evangeline and Sarah. They are amazing. We loved how knowledge they were and how much patience had with me explaining all the in and outs. As well i loved their amazing advice the i was faced with hard choices. I highly recommend them. Keep up the good work guys.
Evangeline and her team are absolutely amazing! They provided the best service and were so quick and professional about everything. I really couldn't have asked for a better team to help us secure a loan for us to close on our new home! Would highly recommend them for anyone looking for outstanding service and support!
Evangeline and her team are amazing to work with. I am a real estate agent and her buyer recently offered and closed on a listing I had. When the offer came in and I knew she was the lender for the buyer, my confidence rose. Her team did not disappoint and delivered timely communication and even offered to close early! Thank you Evangeline!
Working with Evangeline and Sarah was the easiest process I could have ever imagined. Being a first time home buyer is a scary process, while working with these two gals made it a breeze. They are very knowledgeable and I am so glad that I got to work with them. I will definitely be sending referrals your way. Thank you for everything!!
Evangeline Scott and her team at Reliance Home Loans are absolutely amazing! They were with me and made me feel comfortable every step of the journey. Buying a home is a wonderful but stressful time, but Evangeline and Sarah gave me peace of mind as we progressed through the process and made my goal of buying a home a reality! Thank you!
Amazing service, attentive, diligent and get it done attitudes!! Thank you ????
We loved this company. The communication was continuous. Customer service was excellent. They were able to help us do an 18 week close. Fast communicative service. Will be using them again to refi when the rates go down, although the rate they gave us was really good.
My fiancé and I just purchased our first house! Evangeline, Sarah, and our realtor Kristi, were absolutely amazing and helped us get through the stressful home buying process with ease. They were readily available whenever we had questions and would respond promptly. We highly recommend Evangeline and her awesome team! ????
Evangeline and Sarah got the job done!!! We are thrilled with our experience. Communicative, efficient and knowledgeable. They made a stressful process manageable. There’s no fluff with them. They are both straight shooters and I appreciate that. I look forward to recommending them to my family and friends.
Great lender! Was fast, efficient and met all the timelines!
Evangeline is the absolute best! She and her team are on top of it every step of the way. Can’t wait to work with her again!
Evangeline , Sarah and team were great to work with. They threaded the needle just right to guide me to financing the purchase of my new home quickly. Personable and knowledgeable. Thank you!
Every time I see Evangeline's name come through from the buy side I know her and her team will do a great job executing the tasks given to them. Thanks again for being a great lender to work with!
Evangeline knocked it out of the park for us again! We've been working with Evangeline and Sarah since 2021. Every transaction has been smooth sailing! We were hesitant to move on from our 2021 refi rate, but the right home fell in our laps. Evangeline found us the best rate possible in this market to lessen the sting of a new loan. Sarah is a wealth of information and is always ready to answer questions. The level of communication is incredible and so appreciated - I don't take out mortgages everyday, but this team does and they make sure we're never left wondering. We're so grateful for Evangeline Scott and Sarah Woods!
Working with Evangeline and Sarah is a breeze!!! If you're looking for a lender that has your best interest at heart, Look no further! A true Rockstar team! Thank you!
Very helpful team highly recommend if your looking to buy a home
Looking for somone who has accurate work who is willing to go over and above to do thier best I highly recommend Evangeline. Thank you for the successful purchase of my family and mines first home!!!
Evangeline and Sarah were better than we ever could have hoped for! They got us pre-approved and educated before we started touring houses. Within days we were submitting our offer on our perfect home. Evangeline worked seamlessly with our realtor to facilitate an 18 day close… and got us closed EARLY even. This was an incredibly smooth transaction and I couldn’t have hoped for better
What a dream team! I cannot recommend Evangeline and Sarah enough. Between Evangeline’s no-nonsense, to the point, answer any questions and fast paced way, and Sarah - master of chaos - with her relentless and always looking out for you, steamrolling power, you couldn’t be in better hands. They got us a great deal and put us above all else. Thank you so much!! If we’d be in the market again, we wouldn’t even think to look somewhere else.
Evangeline and her team were amazing. They made the process quick and easy. I could not have asked for a better experience!!!
Working with Evangeline was an absolute joy! My husband and I were on the hunt for our first home, and we were lucky enough to have her recommended to us by the amazing Katherine, our realtor. We hit a bit of a snag when we needed to make an offer over the weekend, and our previous lender was out of state and unable to answer emails/call during weekends. But Evangeline swooped in to save the day, working tirelessly with us even on weekends to ensure everything went smoothly. Her reputation precedes her, and it's no wonder why. She's not only thorough and realistic but also incredibly prompt and reliable. She doesn't sugarcoat things – she tells you what you need to know to make the best decisions for yourself. Thanks to Evangeline, we're now happily settled into our new home. I can't recommend her and her team highly enough!
Evangeline is great!!!! I love working with her!!! She always comes through and makes it happen.
We were first time home buyers and the Reliance Home Loan team were amazing to work with. They were very communicative and walked us through everything step-by-step. Will be back in a few months to refi with them as well :)
Working with Evangeline was as seamless as possible! As a Real estate agent, it truly matters who you work with. Evangeline was very communicative, quick, and easy to work with. I hope we can do it again sometime in the future. Thank you to Evangeline & her amazing team at Reliance Home Loans ????????????
Evangeline and her team were fantastic to work with! As a realtor, having a lender who maintains constant communication with all parties involved is essential—and Evangeline does just that. She has her systems dialed in, making the process smooth and seamless. Highly recommend working with her!
Evangeline and Sarah are simply amazing. Could not have asked for a smoother loan transaction. Communicated every step of the way and always knew where we were at in the process and what to expect next. Thank you so much for all you did for us.
Evangeline Scott and her team are the greatest mortgage planners of all time. They have helped me purchase two homes in the last few years, all due to my family growing and changing. Each time, Evangeline has offered the most honest and professional guidance. She has helped us plan each step of our home buying process from navigating debt, allocating savings and making sure that our new homes are within our budget. Sarah is on Evangeline's team and she also goes above and beyond for her clients. Know that with Team Scott at Reliance Home Loans your home ownership dreams will come true!
Evangeline and her team were great! We received constant communication from her team, specifically Sarah, and she played a huge role in our ability to purchase our dream home with a very quick closing. Thank you!
Evangeline got my most recent listing closed in just 14 days! Communication was 100% on point. I've worked with Evangeline and her team for years but this one was extraordinarily fantastic!
Very responsive and knowledgeable
Cannot give Evangeline and Sarah, her Maestro of Mayhem, enough stars and credit for the work they did for me. There were a lot of hiccups along the way with my transaction, and they were instrumental in keeping the process smooth and flowing.
Evangeline & Sarah were absolutely amazing to work with. Evangeline helped my husband & I for almost a year on our journey to find our home and when the time came oh man did she deliver!! She pushed for an 18day escrow and between her & Sarah we managed to have everything formalized and keys in our hands on day 13!! (And with most of our sanity still in tact!) Cannot say enough thank yous to these two women. ????
Team Scott Loans is a fantastic Company to work with ! Evangeline and Sarah are expert professionals to work with and I would recommend them to anyone ! They made my home buying experience totally seamless and comfortable start to finish ! Thank you Ladies SO MUCH !!
Evangeline and her team were absolute professionals, clearly communicating progress and meeting timelines to keep their client on track during the home buying process. Great job Evangeline!
Once again, Evangeline and her team of wonder workers helped to make my clients' dreams come true. As first time home buyers, they had lots of questions and the team was always there, patiently guiding them through the process. As a Realtor, I know I can count on detailed communication, accurate timelines and quick response when issues arise (which they rarely do). Looking forward to doing another deal soon with the Reliance Dream Team!
It was pleasure to work with Evangeline and Sarah, whole lending process went smoothly and they were always very responsive - good work and thank you!
Evangeline and her team have been phenomenal helping us buy our first home. The team is easy to work with, communicates effectively and quickly, and have been very pleasant to work with.
Great communication, Fabulous Job well done!! Lets do it again soon!!
The best of the best. Evangeline & Sarah have made this process the most amazing first time home buying experience. I genuinely don’t even have the words to explain how appreciate we are. Even when our first contract didn’t work out and we were ready to throw in the towel. they never gave up on us. They are very much the reason we were able to close on our dream home.
Evangeline, Sarah, the whole team was amazing!! They made the process so simple, easy to understand and explained everything so well that I had very ew questions. She got us closed in 18 days!!!!! THANK YOU E!!!!!
We were very please working with Evangeline and Sarah. This was a really confusing process, but they did a really good job of keeping the train running on time, and making sure we hit all our deadlines. If we need to go through this process again, we would definitely go back to them again! :)
What a Power Team!!! From start to finish and all my 100+ questions in between at any hour Evangeline and Sarah went beyond our wildest thoughts & put forth such effort to get us in a new home in a crunch and we OWN IT!! Thank you so very much for your support- we will be coming back to re-fi, purchase again & we will be referring everyone to you and your team!!! Thank you- Jr, Jessica, & Family!!!
Sarah and Evangeline were awesome during the whole process. They were on top of things and were quick to respond to all my inquiries. Made my first home buying experience a breeze. Thank you!
It was such a great experience working with Sarah and Evangeline! I’d highly recommend them to anyone!
Such an amazing experience! We would use them over and over again! Everything was seamless, well communicated, and done efficiently!
I don't often give 5 Star reviews but Evangeline, Sarah, and the team deserve it. Evangeline and her team were absolutely amazing! I'm an experienced real estate investor, however, a lot has changed over the last decade, and Evangeline was very organized, and informative throughout the whole process. She was always available to answer our questions and explained everything to us. We were able to close very quickly at a competitive rate. Super happy to have worked with them, and I’m so glad we were referred to her! We'll be working with this wonderful team in the future as we explore investment properties.
Updated to add: Because of Evangeline and Sarah’s expertise, we felt confident in gettinging their support with navigating some financial questions, and they couldn’t have made the process easier or smoother. Five stars, two thumbs up, no notes! ?? TL;DR: You want to work with Evangeline. Her reputation and work ethic are legendary. Evangeline takes a very complicated, intimidating process and breaks it down in a way that will make sense. Not only that, but her team is professional, thorough, and very easy to work with. Since we were moving from out of state, quality communication was absolutely essential and she and her team were great to work with. Not only that, but they were always proactive in providing a few scenarios as options for us to work through in order to secure a loan that would work best for our family and budget. This team is the epitome of under-promise/over-deliver, which is exactly what you want during this stressful process! We were lucky to have been referred, and honestly I can't imagine working with anyone else in the future in this capacity.
She's absolutely fantastic & professional
Everyone at reliance home loans was absolutely amazing! Definitely a rock star team! Evangeline, Sarah, and Marybeth walked me through the process and were available 24/7 for any of my crazy questions/concerns (and, as a first time home buyer, there were a lot). I could not have asked for a better and more supportive team!
Evangeline and team did an amazing job helping us meet a 21-day close while getting buy-off to remove the loan contingency in just 10 days. She also reached out to the seller's agent and vouched for our offer to make us stand out against the other 10 offers being considered.
My fiancé and I are young first time home buyers and are so happy that we found Evangeline. She answered all our ridiculous questions and really worked with our situation and life style. Evangeline helped us have an amazing home buying experience. Thank you!
Evangeline Scott and her team is simply the best in the biz! Plus, their commitment to community giving and helping others goes above and beyond!
Evangeline and Sarah were friendly, efficient, and fast. Our escrow was very short and they kept us right on task! We highly recommend Reliance Home Loans.

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