Local insight, built around your goals.
Born and raised in San Clemente, Evan pairs creative problem-solving with precise attention to detail. He builds every HELOC and purchase loan around your needs and long-term goals, whether you're buying your first home in Orange County or putting your equity to work.
San Juan Capistrano, CA · Licensed through Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471.
Pick the path that fits your plan. Evan reviews every application personally, from pre-approval to closing.
For homeowners who want their line ready quickly.
AI-powered, with Evan guiding you through each step.
Get pre-approved before you start touring homes with Evan.
Not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Rates, terms and programs are subject to change. Approval and funding timelines are estimates and vary by application.
The best opportunities rarely arrive on schedule. A home equity line of credit can sit open and unused until the right moment: a down payment on a rental, a property priced below market, an ADU or a new business.
Evan sets up the line while there's no pressure, so the capital is already in place when you need it.
Approval, appraisal and paperwork done while there's no pressure.
Nothing drawn. The line waits, ready, while you keep living your life.
The right property, the right price, the right timing.
Move with confidence while others are still arranging funds.
Patience is key. But preparation is made by establishing resources in advance.
The best opportunities rarely arrive on schedule. You never have to force a deal.
Set up your resources before you need them, not in the middle of the opportunity.
Ready capital is the best way to be prepared. Sellers favor buyers who can move.
A HELOC is secured by your home. Interest is generally charged only on the amount you draw, and some lines carry annual or inactivity fees. Rates, terms and eligibility vary; review the details with a licensed loan officer before you apply.
Evan Yoder grew up in San Clemente, surrounded by the area's coastal charm and close-knit community. His style is thoughtful and results-driven: every loan strategy is tailored to his clients' needs and long-term goals. With Mares Mortgage, Evan offers competitive rates, modern tools and industry expertise, and guides you through each step of the process.
Born and raised in San Clemente, he knows the Orange County market from the inside.
Creative problem-solving and precise attention to detail, tailored to your long-term goals.
Timely updates and personalized guidance keep the path to homeownership stress-free.
A fellow Orange County resident who takes pride in helping his community thrive.
Call or text (949) 233-1879, or email evan@maresmortgage.com. Evan will walk you through your options in plain language.
Evan Yoder, Mortgage Loan Originator · NMLS 2673117 · DRE 02282850. Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471, DRE 01174680, 32172-A Camino Capistrano, San Juan Capistrano, CA 92675. Equal Housing Opportunity.
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