Tommy R. Martinez -Evergreen Home Loans

10/07/2026

5.0 star review received on Experience.com for Tommy Martinez by Monica C - Tommy was SO supportive and professional throughout the whole process. He really made this detailed process as easy as possible!! I totally recommend him! Thank you, Tommy!

09/30/2026

Before you get attached to a price point, it's important to know what goes into your monthly payment. Send me the numbers you're considering, and we can figure out what feels most comfortable for your situation.

09/28/2026

A wave from the driveway, rolling the trash bins back up, a cup of sugar when you're one ingredient short, those little things can make a street feel a whole lot more like home. National Good Neighbor Day belongs to the people who make where you live feel even better.

What makes a neighborhood feel like yours?

09/24/2026

The national housing market doesn't live on your street.

Prices, inventory, competition, and buyer activity can look very different from one area to the next, which is why local context matters so much. I look at what's actually happening where you are before talking through any next move, because your options should be based on your market, your goals, and your numbers. Send me your area and what you're considering, and I'll help put the headlines into perspective.

09/22/2026

Fall has a way of making home feel a little more important. Cooler evenings, weekends spent closer to home, and the holidays creeping onto the calendar can bring your wish list into sharper focus. Send me the neighborhood, price range, or type of home you've been thinking about, and I'll help you figure out what a move this season could look like.

09/21/2026

New construction deserves a second look right now.

For buyers, builder incentives can create opportunities around things like closing costs, upgrades, or financing depending on the project and offer. And for our builder and construction partners, BuildersEdge is designed to support the lending side of new construction with tools and financing solutions built around the way you work.

If you're buying new or building homes, I'm happy to help you figure out which opportunities make sense from your side of the table.

09/17/2026

4.83 star review received on Experience.com for Tommy Martinez by Marco S H - The process was coherent and lots of agent support.

Click to see all 336 reviews of Tommy Martinez, Sales Manager NMLS # 192577

09/16/2026

A buydown is a way to reduce the interest rate on a mortgage for a period of time, usually by paying an upfront cost at closing. That cost can sometimes be paid by the buyer, seller, builder, or another eligible party, depending on the loan and transaction.

Buydowns can help lower the monthly payment early in the loan, but the right structure depends on the financing, the property, and your overall plan. If you want to see whether one could make sense for your situation, send me a message and we can talk through the options.

09/14/2026

Mortgage rates are basically a group project.

Inflation, jobs data, economic expectations, Treasury yields, and activity in the bond market can all influence where rates move. That is why one headline or one Fed decision rarely tells the whole story. If you're trying to make sense of what's happening and how it connects to your own plans, send me a message and I'll help you put the pieces together.

09/11/2026

Twenty-five years later, September 11 still carries a weight that time has not erased. Today, I'm thinking of the lives lost, the families who continue to carry that loss, and the first responders and everyday people whose courage defined that day.

Our world has changed tremendously since 2001, and the compassion, service, and sense of community shown in the days that followed still deserve a place in how we show up for one another today.