Business Details
Your Trusted Partner for Mortgage Solutions
EVO Mortgage is a trusted residential mortgage brokerage with over 25 years of experience guiding clients through the home financing process. Our team of seasoned Loan Officers and Processors prioritizes clear communication and personalized support for both Borrowers and Realtor Partners. We specialize in creating a streamlined, stress-free experience from pre-approval to closing through our commitment to integrity and responsiveness. Our expertise spans conventional, FHA, VA, USDA, and state-specific loan programs with competitive rates and flexible terms.By maintaining 7-day-a-week availability and transparent updates at every milestone, we ensure clients feel informed and confident throughout their home buying or refinancing journey. Our partnerships with top-tier lenders allow us to deliver efficient loan processing and tailored solutions for first-time buyers, investors, and everyone in between.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
KHC Programs
Refinance Services
Pre-Approval Process
Investment Property Loans
Renovation Loans
Non-Traditional Mortgages
Highlights and features
- We offer 25+ years of mortgage industry expertise
- Our team provides 7-day-a-week responsive communication
- We deliver competitive rates through top-tier lender partnerships
- Our process includes transparent updates at every milestone
- Our Loan Officers hold active NMLS certifications
Associations and certifications
- NMLS #1738461
What people say
Smooth process
Amazing job
Stress-free experience
Quick responses
Clear explanations
Services
Conventional Loans
Conventional loan programs with 3% down payment options for primary residences, second homes, investment properties, and multi-unit dwellings. These fixed-rate and adjustable-rate mortgages offer flexible credit requirements and competitive pricing through our lender partnerships. Ideal for borrowers seeking standard financing solutions without government-backed programs.
FHA Loans
Federal Housing Administration insured loans requiring 3% down payments with lenient credit score requirements. Available for primary residences, renovations, and multi-unit properties. Designed to help first-time buyers and those with limited credit history achieve homeownership through government-backed security for lenders.
VA Loans
Zero-down payment mortgage options for active military personnel, veterans, and eligible spouses through the Department of Veterans Affairs. These loans include no mortgage insurance requirements and renovation financing options, providing exclusive benefits for qualified service members seeking to purchase or refinance homes.
USDA Loans
United States Department of Agriculture guaranteed loans offering zero-down financing for properties in designated rural areas. These income-capped programs include low mortgage insurance rates and are ideal for eligible borrowers seeking affordable homeownership options in qualifying locations with competitive long-term rates.
KHC Programs
Kentucky Housing Corporation down payment assistance programs paired with conventional, FHA, USDA, and VA loans. These state-sponsored initiatives help Kentucky residents reduce upfront costs through grants and favorable loan terms while meeting specific income and property location requirements across the Commonwealth.
People
Mary Lea Akmon
Owner/Loan Officer
With NMLS #58235 certification, Mary Lea Akmon brings extensive mortgage expertise as both owner and lead Loan Officer. She specializes in guiding clients through conventional and government-backed loan programs while maintaining a client-focused approach to financing.
Todd Mercier
Owner/Loan Officer
As co-owner and Loan Officer (NMLS #39983), Todd Mercier leverages decades of experience to provide tailored mortgage solutions. He focuses on building strong relationships with realtors and borrowers while ensuring smooth transaction processes from origination to closing.
David Gnadinger
Loan Officer
Certified Loan Officer (NMLS #664706) specializing in VA and USDA loan programs. David assists military families and rural homebuyers with zero-down mortgage options while maintaining a reputation for responsive, personalized service.
Matthew Kidd
Loan Officer
NMLS #1636394 certified professional with expertise in non-traditional mortgage solutions. Matthew helps clients with unique financial situations qualify for home financing through bank statement programs and asset depletion mortgages.
Joel Lobb
Loan Officer
Experienced Loan Officer (NMLS #57916) specializing in Kentucky-specific housing programs. Joel provides localized expertise for KHC down payment assistance and rural development loans while maintaining strong community lender relationships.
Questions
What loan programs does EVO Mortgage offer?
We offer conventional, FHA, VA, USDA, KHC down payment assistance, and non-traditional mortgage programs including bank statement and asset depletion options.
How quickly can I get pre-approved?
Our team delivers comprehensive pre-approvals with defined loan terms promptly after receiving complete financial documentation and verification.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through government-backed programs like FHA and USDA loans with low down payment options.
Are your rates competitive?
We partner with top-tier lenders to provide some of the most competitive interest rates and closing costs in the industry.
How do you communicate during the process?
We provide timely updates at key milestones through your preferred communication method, with 7-day-a-week availability for questions.
Can I refinance my current mortgage?
Yes, we offer refinance solutions to help homeowners reduce rates, change loan terms, or access home equity through conventional and government programs.
