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HI, I'M
Leslie Girard

Secure Your Interest Rate
And Your Dream Home.

Buying a new home in a shifting market can be a stressful process. But with Lock-n-Shop®, you can lock your interest rates, allowing you to shop with confidence so you can find the home of your dreams.
Who is this mortgage program for ?
"Guaranteed Rate, Inc. has no affiliation with the US Department of Veterans Affairs. Conditions apply."
OUR REVIEWS

We Have Helped Thousands Of Home Buyers!

Genuine people helping people home—that's who we are at Evergreen Home Loans®. Our passion for impacting lives through home ownership, combined with a commitment to providing high-touch service that's complimented by innovative digital technology, is evidenced by the feedback we receive from our customers.

567,123 reviews
From real customers like you
4.9/ 5.0
Average customer satisfaction ratings
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Read our lastest reviews from
real customers
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“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Bethlehem, Georgia

09/08/2022
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First off Fabion was amazing, he listened to mine and my wife's concerns about refinancing our home because we had heard alot of horror stories about refinancing our home. Fabion walked my wife and I through the whole process, was always by our side every step. He made the whole process effortless and addressed every concern and every question we had along the way. Fabion was always smiling during our refinance as we did a lot of it through video chat which that in itself made it amazing and we are super blessed to have someone so detail oriented to handle our refinance. Fabion is going to be helping us purchase a new home in the near future. We highly recommend Fabion Medhanie if you are looking for a professional to help you refinance or purchase your new home whether it's your dream home or your first home. Fabion will make it an experience worth remembering!!!!“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Bethlehem, Georgia

09/08/2022
icon-goole

“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Bethlehem, Georgia

09/08/2022
FEATURES & BENEFITS

A better home solution for home buyers and their families.

With Lock-n-Shop®, home buyers can lock their mortgage interest rates for up to 90 days. That way, if interest rates go up by the time you’ve found your dream home, you can still get a mortgage at the lower rates you locked in.

Locked-in rates

Home buyers can lock in their mortgage interest rates, that way, if rates go up during your home search, you’re still in the clear.

Peace of mind

Lock-n-Shop® can give you peace of mind that your budget isn’t going to change due to interest rate hikes.

Increased buying power

By locking your rates, you can actually strengthen your buying power in the market as rates go up.

Simple float down option

If interest rates go down during your lock period, you can still take advantage of the lower rate with a float down option.

Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Guaranteed Rate for current rates. Restrictions apply.

HOW IT WORKS

Learn more about The Lock-n-Shop® Program

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tESTIMONIALS

How to get started Evergreen webinar lorem ipsum

Unlock the Full Potential of Your Mortgage Advisor sales force with WOWMI's Comprehensive Suite of AI-Powered Marketing Tools and Strategies

Save Your Spot Now!

Fri, 04 August 2023 @ 09.45 PM GMT01
03
Days
14
Hour
30
Minutes
56
Second
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*PLus, Get free Best selling course for your next loan

Leslie Girard
NMLS-58461
/Webinar Host
Online Zoom

Save Your Spot Now!

Fri, 04 August 2023 @ 09.45 PM GMT01
03
Days
14
Hour
30
Minutes
56
Second
Thank you! Your submission has been received!
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*PLus, Get free Best selling course for your next loan

Why you should attend

Increased Reach

Help to increase brand awareness and generate leads from audience

Increased Reach

Help to increase brand awareness and generate leads from audience

Increased Reach

Help to increase brand awareness and generate leads from audience

Increased Reach

Help to increase brand awareness and generate leads from audience

CALCULATE

How much will your loan cost?

Enter your loan pricing needs below and we’ll calculate your estimated loan payment.

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Your estimated monthly payment

$4566

This result is just an estimate. For a more detailed report Schedule a complimentary consultation today.

This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.

Your actual rate, payment and costs could be higher. Guaranteed Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate. Guaranteed Rate, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

APPLICATION PROCESS

We Simplify The Process, So You Can Maximize Your Results.

With Lock-n-Shop®, home buyers can lock their mortgage interest rates for up to 90 days. That way, if interest rates go up by the time you’ve found your dream home, you can still get a mortgage at the lower rates you locked in. To qualify for Lock-n-Shop®, you’ll need a few things.

1

Meet Credit Requirements

First, you’ll need to meet the credit requirements for the loan program you plan to use. Lock-n-Shop® is compatible with all Conventional, FHA, VA, and USDA loan options.

2

Secure a Down payment

Second, you’ll need to have a down payment compatible with the loan program you’re applying for.

3

Lock-in your Rate

And lastly, you’ll need to choose how long you’d like to lock in your rates for. Buyers have the option to lock their rates for 60, 75, or 90 days.

If you have all that, you’ve got everything you need to lock in your interest rates so you can start shopping with confidence!

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.

SCHEDULE CONSULTATION

Ready to apply for Lock'n'Shop?

SCHEDULE CONSULTATION

Ready to apply
for Lock-n-Shop®?

Buying a new home in a shifting market can be a stressful process. But with Lock-n-Shop®, you can lock your interest rates, allowing you to shop with confidence so you can find the home of your dreams.

QUESTIONS & ANSWERS

We’re Here To Find You The Answers You Need

What is the Lock-n-Shop® program and how does it work?
What are the main advantages of using Lock-n-Shop®?
How can Lock-n-Shop® increase my buying power?
What happens if interest rates decrease during my lock period?
How do I qualify for the Lock-n-Shop® program?
tESTIMONIALS

Find out what people are saying about us!

We’ve helped thousands of home buyers just like you. Find out what people are saying about the expert service they’ve found at Evergreen Home Loans!

Schedule Consultation

Charity Watkins

Real Estate Agent

Keller Williams Realty

Michelle Ford

Client

James Holcomb

Real Estate Agent

Keller Williams Realty
1000
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GET QUOTE

Want to learn more about The Lock-n-Shop® Program?

LET’S GET STARTED!

Ready to apply for your home financing loan?

LET’S GET STARTED!

Ready to Partner with Leslie Girard and The Girard Team?

Your path to ownership is just one click away! Schedule a complimentary consultation now so we can take a look at your specific needs and find the perfect home loan for you!

Leslie Girard

NMLS-58461

*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287

Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.

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Getting approved for a Lock-n-Shop loan begins with taking a look at your unique situation.

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Getting approved for a Lock-n-Shop loan begins with taking a look at your unique situation.

Thank you! Your submission has been received!
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Evergreen Home Loans lgirard@evergreenhomeloans.com