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Mike Evans, Mortgage Loan Officer, NMLS #1562357

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Whitehall, OH
Mike Evans, Mortgage Loan Officer, NMLS #1562357

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Mortgage Banker with Heartland Bank, NMLS # 1562357
Columbus Mortgage Bankers Association NMLS # 1562357

Mortgage Banker with 20 years mortgage experience, serving all of Columbus.

10/14/2026

Turn-the-Key Terminology: Appraisal 🔑

Buying a home involves more than agreeing on a purchase price. One important step is having a licensed professional evaluate the property's value based on factors like its condition, features, location, and recent sales of similar homes.

This helps lenders confirm the home's value supports the amount being borrowed and can help identify if the purchase price is higher than the property's estimated market value.

Want to learn more about other homebuying terms or how this applies to your situation? Send me a message anytime. I'm always happy to help!

10/07/2026

October is the perfect time to prep your home for colder weather and stay ahead on simple maintenance tasks that protect your home’s value.

Here are a few key items to check off your list:

🎃 Winterize your garden
Remove dead plants, add compost, and apply mulch to insulate roots and protect your beds through winter.

🎃 Prepare your HVAC system for heating
Replace filters, clean vents, and schedule maintenance so your system runs efficiently and avoids mid‑season breakdowns.

🎃 Reverse ceiling fans
Switch fans to rotate clockwise on low speed to help circulate warm air throughout your home.

🎃 Check for drafts and reseal windows and doors
Seal gaps with weatherstripping or caulk to improve comfort and reduce heating costs.

🎃 Inspect your emergency generator (if applicable)
Make sure it runs smoothly and check components for wear, especially with winter storms on the way.

Staying consistent with small tasks like these helps prevent bigger issues, improves comfort, and keeps your home ready for the season ahead!

09/30/2026

Something big is happening in today’s market, and buyers are the ones benefiting ✨

Right now, 42% of homes for sale have a price cut. That gives buyers more chances to find a home that fits their budget and opens the door for stronger negotiation on closing costs, repairs, and timing.

Inventory is also growing, which means more options to compare and more opportunities to move when the deal feels right.

Even with rates still elevated, buyers have more leverage than they’ve had in a while. If you’re thinking about a move or want to understand what this means for your buying power, I’m here to help.

Read more:
https://trst.in/WR6YYu

Learn more or apply now: https://heartland.bank/michaelevans

09/22/2026

Ever wonder how much control you actually have over your mortgage rate?
More than you might think. Here are three things that can make a real difference.

✨ Your credit score
Small improvements can help you qualify for a better rate and a lower monthly payment.

✨ Your loan type and term
Different loan programs and terms come with different rate possibilities. Exploring your options matters.

✨ The kind of home you buy
Many builders are offering rate buydowns that can lower your payment compared to existing homes.

Even with rates moving, you still have control over key parts of your homebuying journey. If you are thinking about a move or want to understand your options, I am here to help you navigate what matters most.

Apply now or reach out anytime with questions: https://heartland.bank/michaelevans

09/18/2026

Understanding what is happening in today’s housing market can help you make smarter homebuying decisions. 🏡

Inventory growth has slowed, but it has not stopped. Higher mortgage rates are actually helping more homes come onto the market. Listings have been rising for thirty three straight months, and experts expect inventory to reach historically normal levels by the end of the year.

More homes for sale means more choices, more negotiating room, and less pressure to rush your search.

Read more: https://trst.in/qHrMTT

If you are ready to apply now or want to learn more about your options, message me anytime: https://heartland.bank/michaelevans

09/14/2026

Today kicks off our Customer Appreciation Week of Smiles!

Stop by any Heartland Bank, a division of German American Bank, office this week to grab your Smiley Eye Guy and enter for a chance to win a 60 minute Hot Air Balloon Ride for 2 people.

Check our Week of Smiles page to see if an office near you is hosting a cookout this Friday: https://heartland.bank/customer-appreciation

We can’t wait to celebrate our customers all week long. Stay tuned for all the smiley fun 😁

09/07/2026

Wishing you a wonderful Labor Day!

All Heartland Bank, a division of German American Bank offices are closed today, September 7, in observance of the holiday. Thank you to the individuals whose hard work strengthens our communities and local businesses every day.

You can still manage your accounts anytime through our mobile and online banking tools: https://heartland.bank/

09/02/2026

Buying your first home is a big milestone, and a little preparation can make the process feel much smoother. Here are five quick tips to help you get started:

🧠 Improve your credit score — Review your credit report, keep balances low, and pay bills on time.

📄 Get pre qualified — Understand what you can afford and show sellers you are a serious buyer.

🏡 Research homes and neighborhoods — Compare home types, costs, taxes, and local amenities.

🤝 Work with trusted professionals — Partner with a lender and real estate agent who can guide you through each step.

💡 Ask about first time buyer programs — Explore FHA, VA, USDA, and local programs that may offer low or no down payment options.

If you are ready to take the next step or want to learn more about your options, message me anytime to get started: https://heartland.bank/michaelevans

08/27/2026

Getting pre-qualified is a great first step in the home buying process. It helps you understand your budget and shows sellers you're a serious buyer when it's time to make an offer.

Heartland Bank a division of German American Bank makes the process quick and easy with our fast pre-qualification application. If you have questions along the way, I'm here to help. Let's check "get pre-qualified" off your to-do list and get you one step closer to finding your new home!

Message me to get started: https://heartland.bank/michaelevans

08/20/2026

Understanding what’s behind today’s mortgage rates can help you make smarter homebuying decisions.

In simple terms, rates follow the 10‑year treasury yield, and the “spread” between the two is what keeps current rates from being much higher. The good news is that spread has been shrinking, which is helping keep rates steadier than many expected.

If you’re ready to apply now or want to learn more about your options, visit my profile:
https://heartland.bank/michaelevans

Read the full article here:
https://www.keepingcurrentmatters.com/2026/08/12/heres-why-mortgage-rates-are-what-they-are-right-now/

Address

430 N Hamilton Road
Whitehall, OH
43213

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