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Evelina Donica Loan Officer NMLS #1696363

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United States
Springfield, MO
Evelina Donica Loan Officer NMLS #1696363

Multilingual loan officer that will help you with your mortgage loan needs in over 19 states! Gershman Mortgage NMLS #138063.

My goal is to offer the best mortgage process and tools available - easy and convenient, online information available, coupled with the assistance of an experienced loan officer to guide you through the often difficult and confusing process. Let me walk you through the process and help you choose the exact loan to meet your specific needs!

11/03/2026

More of the families I work with are bringing a parent home to live with them. Sometimes it's planned for years. Sometimes it happens after a single phone call.
Either way, the questions come fast. Is there a bedroom on the main floor? Are the stairs going to be a problem? Where does everyone get a little privacy? Will this still feel like home for all of us?
Sometimes the answer is a few changes to the house you already have. Sometimes it means finding something that fits the whole family better. Both are okay, and neither decision has to be made in a panic.
If your family is in the middle of this, I'm happy to help you think through the numbers, so you can focus on the part that matters more: taking care of each other.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

10/27/2026

Nobody tells you this part, but there's an unofficial rule of homeownership: something will need attention in the first year. The water heater. The garage door. The dishwasher that worked perfectly during the showing.
It's not a reason to wait. It's a reason to plan.
When I help someone map out their purchase, we don't stop at the down payment and closing costs. We talk about how much you want left in the bank once everything is signed, so a surprise repair is an inconvenience instead of a crisis.
Keeping some breathing room is one of the least exciting parts of buying a home. It's also one of the things buyers thank themselves for later.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

10/20/2026

There's a difference between "Can I afford this house?" and "Can I live comfortably in it?" The first question has a fairly clear answer. The second is more personal, and it's the one I like to spend time on.
When we look at your numbers together, I'll ask about things like:
• What you want to keep in savings after closing
• What you spend on the things that make life feel like yours, like travel, eating out, or helping family
• Whether your income changes from season to season
• What a tight month looks like for you right now
None of these show up on a pre-approval letter, but all of them matter once you're living there.
My goal isn't to get you the most house possible. It's to help you land somewhere you can actually enjoy.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

10/13/2026

"What if I call and they tell me no?"
I usually hear this one quietly, near the end of a conversation, after someone has already asked everything else.
Here's how I think about it. A no today is not a no forever. It's information. It tells us what to work on, how long it might take, and what your options look like in the meantime.
Most people leave our first conversation with a clearer picture than they walked in with, whatever the answer is. That clarity is worth more than another year of guessing.
If this question has been sitting with you, you're allowed to ask it out loud. That's what I'm here for.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

09/15/2026

There are things people tell me almost apologetically.

“I have some debt.” “My credit isn't perfect.” “I don't have as much saved as I wanted.” “I don't understand any of this.”

And sometimes I wish they could see my reaction because... none of those things surprise me!

I have worked with people from so many different backgrounds and stages of life. Everyone's financial picture looks different. You are not supposed to know mortgage guidelines. You are not supposed to know every program. And you certainly don't need to have a perfect financial history before you're allowed to ask me a question.

Tell me the real situation. That's the only way I can actually give you useful information.

And if you're not ready yet, I'd rather help you understand why and what you can do next than have you spend another year wondering.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

09/08/2026

Can I say something I think a lot of people need to hear?

You can be financially responsible and still feel like buying a home is expensive!

I talk to people with great incomes, savings, established careers and very responsible financial habits who are surprised by what homeownership would cost them.

There can be this quiet feeling of, “I make decent money. Shouldn't this be easier?”

Please don't let that keep you from asking questions!

I’d much rather sit down, look at the full picture and help you understand what different options would actually look like than have you guessing from an online calculator.

Maybe the numbers work now. Maybe there are a few things you want to change first. Maybe waiting makes the most sense.

All three can be good outcomes when you finally have enough information to make the decision confidently."

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

09/01/2026

I think one of the hardest times to decide whether to move is when there’s nothing actually wrong with your house.

You don’t hate it. You’re not desperate to leave. It still technically works....

But maybe three kids and all of their stuff have made it feel a whole lot smaller than it used to. Maybe someone works from home now. Maybe you want to host holidays without squeezing everyone around the table.

Or maybe you’re on the other side of it. The kids are leaving, you don’t use half the rooms anymore, and maintaining all that space is starting to feel unnecessary.

Sometimes a house doesn’t stop working overnight. Your life just slowly changes around it.

If you’ve caught yourself thinking, “I wonder what else is out there...” there’s probably a reason.

You don’t have to be miserable in your current home to start thinking about what might fit your life better now.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

08/25/2026

One of the questions I wish more people would ask me is:

“What can I comfortably afford?”

Not, “What’s the most I can get approved for?”

Those are two very different questions.

I can help you look at the numbers, but you know your life. You know what you spend on your kids, how often you travel, what you like to save, whether you enjoy going out on the weekends, and how much breathing room makes you feel secure.

I never want someone to feel house-poor just because a number on paper said they could afford more.

There is nothing wrong with buying below your maximum.

Sometimes the smartest home purchase is the one that still leaves plenty of room for everything else that matters to you.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

08/18/2026

It's funny how much life can change in just a few years. The house that felt perfect when you bought it may not fit the life you're living today. Maybe you're working from home now and need an office. Maybe your family has grown and the bedrooms suddenly feel a little too small. Maybe you're tired of maintaining a big yard, or maybe you've always dreamed of having one. Whatever the reason, it's okay if your needs have changed.

I think sometimes people assume that because they bought a home once, they have to stay there forever. But homes are meant to fit the season of life you're in—not the one you were in five or ten years ago.

Sometimes the conversation isn't about buying a bigger house or a more expensive one. Sometimes it's simply asking, "What would make everyday life a little easier?" And that's a really good place to start.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

08/11/2026

Buying a home feels overwhelming because nobody teaches this stuff.

Not in school.

Not at work.

Not anywhere, really.

So people end up trying to learn from TikTok...

A cousin...

Facebook comments...

And suddenly everyone is giving different advice.

If you've ever felt confused...

You're normal.

I don't expect people to know mortgage guidelines.

That's literally my job.

I'd much rather answer a "simple" question than watch someone stay stuck because they were afraid to ask.

Evelina Donica | Loan Officer
M: 417-598-3541 | W: edonica.gershman.com

Address

1557 E. Primrose Street Suite 100
Springfield, MO
65804

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

https://www.gershman.com/loan-officers/evelina-donica/

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