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Mike Evans, Mortgage Loan Officer, NMLS #1562357

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

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

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

06/23/2026

Whether you’re getting ready to start house hunting or simply exploring what fits comfortably in your budget, a few common guidelines can help you plan with confidence.

The 30% rule suggests keeping your total housing costs within about 30% of your gross monthly income. That includes your principal and interest, taxes, insurance, HOA fees, and utilities.

Another helpful benchmark is the 28/36 rule. This guideline suggests keeping housing expenses around 28% of your gross monthly income and total debt around 36%. Total debt includes things like car loans, student loans, credit cards, and other monthly obligations.

While some lending scenarios may allow for higher ratios depending on your financial profile, these benchmarks can be a helpful starting point when thinking about what feels comfortable and sustainable.

If you’re curious about what your numbers might look like or you’re ready to take the next step, I’m here to help: https://heartland.bank/michaelevans

06/18/2026

Owning a home is an exciting milestone and a major commitment. Here are 7 steps to help you get started with confidence:

1️⃣ Estimate what you can afford
Follow the 28/36 rule to keep housing and total debt within a healthy range. Include upfront costs like your down payment and ongoing expenses such as utilities and repairs.

2️⃣ Get prequalified
Our lenders will review credit, verify income and assets, and determine you budget so, you can begin the next steps with confidence.

3️⃣ Choose a real estate agent
A licensed agent protects your interests, provides access to homes, and guides you through each step.

4️⃣ Start house hunting
Share your budget and must‑haves so your agent can help you find the right home.

5️⃣ Make an offer
Your agent prepares and negotiates your offer. Expect to provide an Earnest Money Deposit of about 1–3 percent once it is accepted.

6️⃣ Complete final steps
Your lender orders the appraisal and title search. Schedule a home inspection and secure homeowners insurance.

7️⃣ Closing day
Complete your final walkthrough, sign closing documents, pay your down payment and closing costs, and receive your keys.

Having a trusted financial partner helps you move through each step with clarity and confidence.

Ready to begin your journey? Message me to learn more or apply now: https://heartland.bank/michaelevans

06/16/2026

June is the perfect time to stay ahead on simple maintenance tasks that protect your home’s value and keep everything in top shape.

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

☀️ Check your fire extinguisher
☀️ Inspect your water heater for leaks
☀️ Look for signs of pests around your home
☀️ Inspect your crawlspace
☀️ Pressure wash siding
☀️ Lubricate door locks and hinges
☀️ Test and repair outdoor play equipment

Staying consistent with small tasks like these helps prevent bigger issues, boosts curb appeal, and keeps your home ready for whatever comes next.

Message me to learn more!

06/11/2026

How long does it take to save for a home purchase?

The answer varies widely depending on where you live and local home prices. In some markets, saving for a down payment can take years, while in others, buyers may be able to reach their goal much sooner.

The good news? Many homebuyers are surprised to learn that a large down payment is not always required. There may be loan programs and financing options available that can help qualified buyers achieve homeownership sooner than they expected.

Every situation is different, which is why understanding your budget, available loan options, and estimated out-of-pocket costs is an important first step.

Thinking about buying a home? I'd be happy to help you explore your options and create a plan that fits your goals.

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

06/09/2026

Thinking about building a home this year?

Today’s buyers are leaning into homes that feel warm, elevated, and thoughtfully designed. Some of the biggest trends we’re seeing:

✨ Floor to ceiling stone fireplaces
✨ Black framed windows for bold contrast
✨ Wood ceilings and exposed beams
✨ Two tone kitchens with white oak cabinetry
✨ Wet bars and “show” pantries for added function

Our Construction Loans make it easier to bring these ideas to life, covering everything from planning and land purchase to materials, labor, permits, and fees.

You’ll pay interest only on what you use, then convert to a permanent mortgage with a simple one time closing.

Already own land? Its value may help meet down payment requirements. Bridge Loan options are also available to use equity from your current home. Free pre qualification is available to get started.

If building is in your plans this year, I’m here to help!
📩 Message me or apply now: https://heartland.bank/michaelevans

06/04/2026

Turn‑the‑Key Terminology: PMI 🔑

PMI, or Private Mortgage Insurance, is a fee added to your mortgage when your down payment is under 20 percent. It helps you qualify for a home loan sooner by allowing a smaller upfront investment.

Once you build enough equity, PMI can often be removed, lowering your monthly payment.

Curious about other mortgage terms or how PMI works in your situation? Message me anytime to learn more!

06/02/2026

June is National Homeownership Month, and I’m proud to help individuals and families in our community move closer to their homeownership goals.

Every buyer’s journey is different, and having a trusted Mortgage Loan Originator can make the process feel clearer and more manageable. If you are thinking about buying, building, or refinancing, I’m here to guide you through your options and help you take the next step.

Connect with me here for resources and support: https://heartland.bank/michaelevans

05/27/2026

Getting ready to buy, build, or invest in a home? One of the smartest first steps you can take is getting prequalified for a loan.

Here is why it matters:
📊 Understand your budget
A prequalification gives you a clear picture of what you can afford based on your income, debts, and assets.

🗺️ Start your search with confidence - Whether your move is months away or a year out, knowing your price range helps you plan and stay focused.

🤝 Strengthen your offer - Sellers appreciate buyers who are prepared. A prequalification shows you are serious and ready.

📅 Begin with a simple conversation - Meeting with a lender in person, by phone, or online helps you gather the right information and explore loan options that fit your goals.

🎯 Create your roadmap to homeownership - You will walk away with a clearer budget, insight into available programs, and a plan that supports your next move.

If you are thinking about your next step, I am here to help you get started.

Apply now or message me for more information: https://heartland.bank/michaelevans

05/21/2026

Exploring your next move in homeownership? Here are 6 great types of homes to consider, each with its own unique perks:

🏡 Single‑Family Home - A private, stand‑alone space with room to make it truly yours. Offers flexibility, comfort and plenty of privacy.

🏢 Condominium - Enjoy your own living space with access to shared amenities like fitness centers and recreation areas. A great low‑maintenance option for busy lifestyles.

🏘️ Townhouse - A stylish, multi‑level home that often comes at a more affordable price point. Smaller yards mean less upkeep while still enjoying your own outdoor space.

🔧 Fixer‑Upper - A perfect choice if you love customizing and adding personal touches. With the right vision, you can build equity and create a space that fits you perfectly.

🛠️ New Construction - Design your dream from the ground up with modern layouts, finishes and features. Many new builds also include warranties for added peace of mind.

🌱 Green Home - Built with sustainability in mind using renewable materials and energy‑efficient systems. A smart way to reduce your environmental footprint and save on utilities.

Want to talk through your options and discover which home fits you best? Send me a message anytime: https://heartland.bank/michaelevans

05/19/2026

Your mortgage journey deserves clarity, confidence, and a team you can trust.

Whether you're buying, building, or refinancing, our mortgage page brings all the resources, tools, and insights you need into one easy place. From getting prequalified to comparing options and connecting with a lender, we’re here to guide you every step of the way.

Explore your options and take the next step toward your goals:
https://heartland.bank/personal-banking/mortgage

Have any questions, message me anytime!

Address

430 N Hamilton Road
Whitehall, OH
43213

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