Everything Under One Roof

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  • EVERYTHING Under One Roof

    EVERYTHING Under One Roof

  • The PERFECT HOME is waiting for you 

    The PERFECT HOME is waiting for you 

  • Purchase or Refinancing is easy with us

    Purchase or Refinancing is easy with us

  • We're with you every step of the way

    We're with you every step of the way


       Everwise Home Loans & Realty Everything Under One Roof
Everwise Home Loans & Realty is here to offer our clients all things Mortgage & Real Estate. From competitive rates on your next purchase or refinance to Selling your home for top dollar and finding your dream home at just the right price. Here is a list of our services:

Exciting Mortgage Solutions 
  • ZERO Down Payment
  • Purchase & Refinance
  • Jumbo Financing
  • Bank Statement Loans
  • Stated Income
  • Self Employed
  • Home Equity Lines of Credit
  • Reverse Mortgages
  • Low Fico Loans
  • Mortgage Insurance Removal
  • Private Money Loans
Tailored Real Estate Services
  • Purchase New Home
  • Sell Existing Home
  • Short Sales
  • First Time Homebuyers
  • Foreclosures
  • Rental Leases
  • Free Home Valuations
  • Vacation & 2nd Homes
  • Investment Homes
  • 1031 Exchange
  • Relocation
  • New Construction
  • Vacant Lots
                Contact us TODAY at 833-4EVERWISE (833-438-3794) to get started!!
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Purchase Home

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

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We're committed to helping you refinance with low rates and fees. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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We had a great experience refinancing our home with Brian Chaplin at Everwise Group. Brian is very knowledgeable in the loan process and did not hesitate to answer any questions that we had along the way. He was professional throughout our entire transaction and quick to respond to our emails and phone calls. Brian was able to secure us a low rate on our loan and the entire process ran remarkably smooth. We are very pleased with the work that Brian at Everwise Group did for us and we would not hesitate to recommend him to our friends and family.

2 years ago
Rich R
Costa Mesa, CA

Extremely knowledgeable and excellent service. Brian was upfront and all costs associated with my refinance were correct with no surprises. Overall refinancing costs were very low. Man of his word. I will definitely use his company again. Very smooth, start to finish.

2 years ago
Laurence H
Palm Springs, CA

Very knowledgeable and responsive. I highly recommend their services. The entire staff is phenomenal. Thank you, Brian for your firs-class customer service!!!

2 years ago
Frances M
Glendora, CA

We couldn’t be happier with our experience with the guys at Everwise. Both Brian and Mike were fantastic, available and very knowledgeable about it. We felt informed every step of the way. Definitely would recommend them and would work with them again!

2 years ago
Paul B
Medford, OR

My husband and I used Everwise to secure our home loan. As first-time home buyers, we were a little nervous and had little to no idea what we were doing. Brian and his team were wonderful to work with. The communication was always clear and constant; if we had a question or concern at 8 pm, we were able to text, call, or email and someone would get back to us right away. They were able to get us a fantastic rate and celebrated with us when we closed on our home. Definitely recommend to others!

2 years ago
Alexandria M

Just refinanced through Everwise. Brandi was amazing, her knowledge and experience is one of a kind. She is honest , told us what needed to be done, it was the simplest loan I have ever done. It was completed quickly and stress free. I would highly recommend her for your home loans. Thanks Brandi!

2 years ago
Loraine L
Huntington Beach, CA

We recently had Joe Almanza help us refinance our home and rental properties. We were quite impressed with his work, and how he followed through with us in the step- by -step procedure for securing the best loan for us. We would recommend Everwise and Joe Almanza to anyone wishing to refinance their home or other property.

2 years ago
Irene A
Rancho Palos Verdes, CA

From beginning to the end of the loan process, everything went smooth and basically trouble free. Brian kept me in the loop at all times and I don't think I was surprised by any complications at all. Brian and his team truly are top notch. Best loan experience ever. I would highly recommend Everwise Home Loans & Realty to anyone looking for true professionals in this field.

2 years ago
Rodney B
Mission Viejo, CA

We couldn't be happier with the service Everwise provided in the purchase of our new home. There's nobody better to help you get into your home at the lowest possible interest rate out there right now!

2 years ago
Ryan F
Central Point, OR

Brian and his team at Everwise Home Loans & Realty are really excellent to work with! I was referred to Brian by a coworker when we were house hunting last year, and even though we were in the start of a pandemic he and his team members never dropped the ball. They were responsive and supportive and took the time to understand who we were and find the best lender and program for us! Fast forward a year, mortgage rates were still super low, and I reached out to Brian about a possible refinance. He got us taken care of right away and we closed in about a month. I recommend Brian and his team to everyone I know who is looking for a mortgage or a refinance.

2 years ago
Kaylea J
Central Point, OR

Great experience working with Everwise. I've done a few refinances in the past and always handled it all myself but this was a rather complicated deal, i was out of state and I couldn't afford any mistakes so I decided to go with the experts. I'm definitely glad I did because I can't imagine any scenario where it would have gone any smoother. My realtor was Izu Onyia and he handled all the research and analysis needed. He presented different options, explained the pros and cons of each, them have his recommendations. Every step of the way, he was there to guide or explain what was needed. The process was rather lengthy due to the historic low interest rates at the time, but he did a great job checking in often to let me know the status and that helped a lot. I highly recommend Everwise and Izu.

2 years ago
Hemet, CA

Working in finance, I am extremely busy and really only had time for the lowest possible rate on the first go (i.e., no shopping, no games) and that's exactly what I got w/ Brian Chaplin at Everwise! No fluff, just the lowest rates with an intelligent answer to every question I had. When I say lowest possible rate, I literally mean I was following current rates in the market and he got me at 1/8th lower than anything quoted on the street! Wow - recommending this company to all my (busy) friends who have zero time to waste. Thanks so much Brian and team - fantastic work!

2 years ago
Alan F
Redondo Beach, CA

I have used Everwise for my last 3 mortgage transactions and they are superb. Not only do they do everything in their power to help, they make it easy - all signing can be done from your home. I strongly recommend Everwise. You will be very happy.

2 years ago
Kimberly C
Central Point, OR

I was able to get a really good rate on a VA product. Since this was during the pandemic, I didn't have to leave home, they did all of the leg work including sending the Notary to my home. All worked out good in a short amount of time.

2 years ago
Peter H
Cypress, CA

Ron was excellent in guiding us through the simultaneous refinancing of both our home and a home that we co-own with our daughter. He was professional, responsive and very knowledgeable. He was also very helpful in explaining the ridiculous and over the top requests for documents and information of the underwriters. I could not recommend any mortgage lender more heartily.

2 years ago
Roger B
Walnut Creek, CA

My experience was great. I felt like my best interests were always at the forefront. I have complete confidence in Everwise and would use them again and again.

2 years ago
Julia J
Denver, CO

Highly recommend Everwise Home Loans. Brian was able to deliver significantly better conditions than other lenders. Supreme customer service, always available to answer my thousand questions from being a first time buyer. Very knowledgeable about everything related to the transaction.

2 years ago
Emmanuel A
San Antonio, TX

I have refinanced with Brian and Everwise twice now and have saved thousands each time. I'm now down to a rate of 1.875 and will never have to refinance again. I have referred 2 friends who have both refinanced and are both extremely happy with their new rates and the money they've saved. Brian goes above and beyond to ensure his clients are well taken care of.

1 year ago
Russ W
Medford, OR

The best experience I have had in my life dealing with a mortgage company. Brian and Kristin were amazing people to work with. They made the whole process easy and smooth. Use them anytime you have a mortgage need. Thank you for providing a fantastic mortgage for my new home.

2 years ago
Kandi R
Eagle Point, OR

My husband and I highly recommend Everwise Home loans and Realty. As first time home buyers this year you can imagine the overwhelming information we had from reaching out to different banks to get pre-approval quotes. To make it a long story short we didn't have the best experience with certain loan officers. From the moment we reached out to Brandi she was always kind, informative and to the point about our home buying process. She is professional and thorough and never left us wondering about the process. We can honestly say that buying our first home was a smoother process than we expected thanks to Brandi and Brian! We look forward to working with them for any future need we may have.

1 year ago
Natalie C

Brian and team were a great help through the entire process. Knowledgeable, incredibly responsive, and made the home buying experience easy. Thank you!

1 year ago
Seth B
Jacksonville, OR

My wife and I recently purchased a home in Redondo Beach, CA and we financed it through Everwise, where Brian and Brandi were our loan officers. Besides the fact that they were able to get us a better interest rate than the other two banks we contacted, I cannot thank them enough for their tiresome work in getting things completed ahead of all scheduled dates, for their ultimate professionalism throughout the process, and last but not the least, for their patience while answering all our nitpicky and stupid questions as first time home-buyers. Brian and Brandi were absolutely fantastic throughout the process and I highly recommend giving them a call if you are in the market for a new home.

4 years ago
Awais R
Redondo Beach, CA

Brandi was great at helping me get a refi at a lower rate relatively quickly during the COVID pandemic. We were approved for a refi with a different company and had been waiting for months! Brandi was able to get the job done even with me being an independent contractor which requires much more understanding/paperwork to help us qualify. Very responsive, friendly and great at what she does! We were lucky to have her help us out!

2 years ago
Jeff S
Hacienda Heights, CA

My husband and I used Everwise to secure our home loan. As first-time home buyers, we were a little nervous and had little to no idea what we were doing. Brian and his team were wonderful to work with. The communication was always clear and constant; if we had a question or concern at 8 pm, we were able to text, call, or email and someone would get back to us right away. They were able to get us a fantastic rate and celebrated with us when we closed on our home. Definitely recommend to others!

2 years ago
Alex M
San Jose, CA

Izu helped me understand all my choices when dealing with a refinance. He's highly educated and very professional. I highly recommend you working with Izu you won't be disappointed!!! Got me a lower rate and lower monthly payments !! Overall saved me alot of money . Thank u !!!

2 years ago
Marcy C
Colton, CA

I have use Everwise for my last 3 home loans and have referred friends family. They are always the lowest rates and always quick to help and get the job done!

2 years ago
Brittany L
Medford, OR

Brian and Brandi are absolutely exceptional at what they do! Both helped us incredibly with purchasing our first home and now refinancing at a lower rate. Every question we had was answered, even if those questions were on a Sunday night or early morning. Brian was always so helpful in explaining the process and really made everything so easy for us! We recommend Everwise to everyone we know!!

2 years ago
Therese C
Mission Viejo, CA

We were referred by one of our neighbors after expressing our frustration trying to refinance with a credit union which had taken five months and were given the runaround. My husband contacted Brian and within one month we had closed on our refinance. Brian and Brandi were so quick to answer our emails and phone calls and we could have not asked for a better experience. We will defintely be using them in the future again! They were great!!

2 years ago
Monica M
Irvine, CA

We have used Brandi at Everwise twice now to refinance. She was so great to work with, always was on top of everything, which made for smooth, timely transactions. Brandi worked hard getting us the lowest rates possible and kept us in the loop the entire time. I would definitely recommend Everwise.

2 years ago
Gabi L
Mission Viejo, CA

I have worked with various lenders in the past, and I am beyond happy with the work of Jill Coss at Everwise. She is very hard working and detailed oriented, and we have developed a working relationship with trust and transparency. The rates I have received from her are quite competitive compared with calling banks myself. She is also a warm person who understands my point of view and is patient enough to explain and walk me through the process. If you are looking for an honest lender who will give you competitive pricing and help find the right loan for you, look no further!

2 years ago
Irvine, CA

Can't say enough about Brian and the team at Everwise. They're professional and make the process of buying and refinancing very easy!

1 year ago
Kelly R

We have used Everwise on a new home as well as a refi! Great group to work with! Fast, accurate, best rates on the market! The Everwise team is fantastic and highly recommend reaching out if you are wanting to refinance or are looking to move to your dream home!

1 year ago
Ryan S
Medford, OR

We did THREE transactions in THREE months with Brian and his Everwise team, and he hit it out of the park! Two transactions were refis and one was a purchase. We interviewed several loan brokers referred to us by financial and real estate professionals before landing with Brian/Everwise. He made great promises...and then OVERdelivered. The transactions were VERY smooth, Brian and his team were HIGHLY responsive, and our terms were EXTREMELY favorable. To make our situation even more challenging, I am self employed, but we still obtained the best terms available in the market for all three of our transactions. Our last transaction was a home purchase with a 30 day escrow -- which is a short time frame and difficult goal when financing the purchase -- and he found a way to make it happen! We've referred others to people to Brian, and they are equally as pleased with his service, knowledge, and access to a myriad of loan products/lenders. We will use Brian again on any future projects.

1 year ago
Jamie H.
Newbury Park, CA

Ever find yourself lost in a jungle of mortgage "professionals" ? Perhaps the feeling of hopelessness or despair in the hunt to find good help these days? Seek no more my friends. Truth be told, the good people at Everwise helped me take advantage of the market at the right time, quickly and painlessly. I felt like a baby fawn cradled in the hands of baby Jesus himself in complete comfort and security throughout the typically dreaded refinance (and purchase) process. These people have helped me a few times now! The American Dream is NOT over people. Wherever there's a hurdle, there's these rabbits at Everwise to happily hop over it. Thank you Everwise team!!!

2 years ago
Chris H.
Mission Viejo, CA

I've refinanced multiple times with Brandi and the Everwise team. Each time has been an outstanding and simple experience. Brandi has helped me lock in the best rate and cash-out, while finding me the most savings I can achieve for the long-term. She's also super responsive and someone I can trust for my home financing needs. I will definitely be reaching out again to Brandi in the future and encourage anyone looking for a new home loan or refinance to reach out to her and the Everwise team!

2 years ago
Andrew A.
La Habra, CA

My wife and I recently refinanced our house and pulled out some cash to pay off debt and make some home improvements; and thanks to Jill Coss, our loan officer, the process was simple quick and painless. Jill was always courteous and responsive and offered helpful suggestions as we went through the loan process. Even when I threw a nasty curve ball at her a few days before closing she took it all in her stride and was able to accommodate the changes quickly. We are so grateful to Jill for her positive attitude, helpfulness and ability to get things done. We didn’t even have to leave the house! It was all handled electronically and even the loan closing was done at our house with a mobile notary. Please pass on our sincere thanks to Jill for making what is normally a stressful transaction a quick and painless one.

3 years ago
John & Chris K.
Los Osos, CA

Everwise is a great company and I'm going to tell everyone I know to hire them when they're buying a house thanks Brandi Robles for all your hard work

4 years ago
Danny B.
Riverside, CA

My wife and I recently purchased a home in Redondo Beach, CA and we financed it through Everwise, where Brian and Brandi were our loan officers. Besides the fact that they were able to get us a better interest rate than the other two banks we contacted, I cannot thank them enough for their tiresome work in getting things completed ahead of all scheduled dates, for their ultimate professionalism throughout the process, and last but not the least, for their patience while answering all our nitpicky and stupid questions as first time home-buyers. Brian and Brandi were absolutely fantastic throughout the process and I highly recommend giving them a call if you are in the market for a new home

4 years ago
Awais R.
Redondo Beach, CA

I recently used Brandy Robles at Everwise home loans It was a great experience. She went above and beyond for my family. She sold my home And also ended up doing the loan for the buyers as they were having a bad experience w their lender. I would definitely recommend this Co. And will use them in the future if I ever need a realtor or lender again.

4 years ago
Terri G.
Wildomar, CA

I am thrilled to be able to write this review for Everwise Home Loans & Realty. As a divorced mom with three school-age kids, home ownership felt and seemed like an impossibility until I met Brandi. Brandi and her team made this process of buying a home easy and painless. They were flexible when scheduling meetings with me. With the paperwork process, Brandi paid excellent attention to detail and prepared me for all of the steps towards homeownership. I give Brandi and her team the highest recommendations; They are professional, thorough and trustworthy. Even after my home purchase, Brandi still checks on me from time to time to see how things are going with the new home... She cares about her clients and their interests.

4 years ago
Nnenna O.
Laguna Niguel, CA

At the end of 2017, I was looking to refinance my condo to get out of a 7/1 ARM. I had no real experience or knowledge of the lending industry, but I have a few friends that work in the field. I was shopping around calling banks, and it seemed like everyone was telling me something different. So much that I started to not trust anyone. When I met Brandi I began to explain my situation, and I felt no pressure at all. She was extremely knowledgeable about all the lending practices, and was able to explain all the fees and processes in a way where I didn't feel like she was hiding anything from me. Brandi dispelled all the clutter I was hearing from the other loan officers and friends of mine in the lending industry. She worked very hard to put me in the best possible situation, and explained all my options at a high level of professionalism. Brandi was extremely patient with me knowing that I had a million questions and doubts. She could have been spending her time on other clients that had much larger loans that mine. In the end, I came out with a 30 year fixed loan at a lower interest rate, lowered my mortgage, and put $2,500 in my pocket. A year later, and I can honestly say that my life is much more comfortable, and I made the right choice with Brandi. She really cares about her clients, and will work hard to get you to your desired goal. Thank you Brandi! I'll be a client for life!

4 years ago
Kenny W.

I'd give more stars if I could! Brandi and Brian are AMAZING! My husband and I contacted Brian just to see where we were at and to get an idea of what we needed to do to purchase a home in the future. He not only advised us of what needed to be done, but he and Brandi helped us achieve our goals! They helped us get rid of old debt and made this process as easy as possible for us. They even kept us updated every step of the way and explained everything and answered every question we ever had. These guys work so hard and never left us feeling doubtful. You can see they love what they do! We went to see a few houses with Brandi just to get an idea of what we wanted, fell in love with a home, made our offer and moved in 30 days later! I would recommend them to anyone!

4 years ago
Alyssa G
Lake Elsinore, CA

Got a loan on my house to do some updates and Brandi was amazing at helping accomplish that! It was not an easy task but she worked her butt off and got me what I needed. I definitely recommend this company for all your realty needs!

5 years ago
Rebecca L
San Bernardino, CA

Brian and Brandi have been Amazing in helping us reach our dream of getting into a house. I would definitely recommend them with the buying or selling of your current or new home. It made it so easy that we didn't have to go anywhere else for our mortgage loan as well. I'm extremely happy to have had such an exciting, yet challenging, chapter come at such ease with this team!

5 years ago
Amy B.

Brandi Robles is completely amazing! My husband and I had previously been working with another mortgage broker for over 6 months only to have our loan fail to close and have to be extended 3 separate times. At the end, the loan terms were nothing like what we had been promised. Thank goodness a friend referred us to Bandi!!! She jumped right in, had our loan closed in less than 6 weeks and with terms a million times better than anything the previous broker threw at us. We couldn't be happier! She is so professional, smart, and just totally has what it takes to get the job done right! We would strongly recommend her to anyone and wouldn't even consider using anyone else in the future!

5 years ago
Sarah F.
Menifee, CA

My husband and I just purchased our first home and we couldn't be happier with Brandi as our agent! From start to finish, she was incredibly helpful and patient. Being first-time home buyers, we were overwhelmed with the process but Brandi made it very easy and explained everything we needed to know. We went to look at a lot of properties and she always gave us her honest opinion. We never felt like she was just trying to make a quick sale. Aside from helping us find the right property, she made the loan application process smooth and efficient. She has many connections with many Mortgage Lenders, so she knew exactly who to go to for the best deal. Just to be sure, we shopped for other rates but we couldn't find one that beat the rate she was able to get us. At one point during our home search we were getting discouraged, and rather than giving up on us, Brandi offered to do some marketing in communities that we were interested in to find prospective sellers. Overall, Brandi was excellent through and through and we never felt uncomfortable contacting her for anything! She was always prompt and responsive. In the future when we look to buy another property, we will definitely choose Everwise!

5 years ago
Maya & Andrew H.
Mission Viejo, CA

Where do I start, buying a house for me was never in my plan. It was a 'let's just see what happens, but I know it's not going to happen', kind of thing. However, working with Brandi made me realize buying a house was coming closer to my reach. It was realistic and I was finally hopeful. She's the one who helped me, with her it was possible!

5 years ago
Rosa M.
Duarte, CA

Brandi was so calm and nice helping us through the process of purchasing a home. She was thorough and always got back to us! We very much appreciate a real estate agent that does what they say they are going to do- and she does. Thank you Brandi! We will be repeat clients!

5 years ago
Megan L.
Pomona, CA

I’m happy to write a 5-star review for Everwise Home Loans & Realty for home loans and/or refinancing. I recently refinanced my home and Brian Chaplin lowered my monthly payment and dropped the mortgage insurance from my loan. Even though I already had good credit, Brian was able to raise my credit score to get me an even better rate. The entire process went efficiently, all updates and other communications were timely, and the loan closed quickly. Also, the rate on my new loan was lower than what my local bank and credit union offered. Last but not least, I received exactly what was promised and there were no unpleasant surprises

5 years ago
Eric M.
Jacksonville, OR
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