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Loan Officer · NMLS #1463065About Evan Cardenas
Evan Cardenas is a Loan Officer (NMLS 1463065) with UMortgage+ powered by NEXA Lending, licensed in Arizona, California and Colorado.
10+ years in mortgage · Licensed in AZ, CA, CO · Serving Phoenix metro & East Valley
Meet Evan
Licensing and service area
What working with Evan looks like
Clear communication
You'll know your numbers, your timeline, and what's next at every step—no surprises at the closing table.
Local knowledge
I work Phoenix metro & East Valley every day and know the local programs, costs, and timelines that matter here.
Options beyond conventional
Besides conventional, FHA, VA, and USDA, I can look at Non-QM, HELOC, VA IRRRL, and other paths when they fit your situation.
Advice, not pressure
Sometimes the right move is to wait or to keep the loan you have. I'll tell you when that's the case.
UMortgage+ powered by NEXA Lending
I run a local branch with the backing of NEXA Lending, LLC (NMLS #1660690). You get a local loan officer you can reach directly, plus a national lender's product menu and operations.
What clients say
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Book a time to talk
Pick a time that works for you. A first call is usually 15–20 minutes: we'll talk goals, timeline, and which loan options make sense.
Questions about working with Evan
Where is Evan licensed?
Evan Cardenas is licensed in AZ, CA, CO under NMLS #1463065. You can verify any loan officer's license on NMLS Consumer Access.
What areas do you serve?
I'm based in Phoenix and serve Phoenix metro & East Valley, plus borrowers anywhere in the states where I'm licensed. Most of the process can be done remotely.
How do I get started?
Apply online in about 15 minutes or book a call first. Either way, we'll review your goals and credit, then talk through programs and estimated payments.
What should I bring to our first call?
Your goals and timeline, a rough budget, and if you have them: recent pay stubs, W-2s or tax returns, bank statements, and your current mortgage statement if refinancing. Nothing is required just to talk.
Does a call or pre-approval hurt my credit?
No. A conversation never touches your credit, and we always start with a soft credit check, which has no impact on your score. We only run a hard credit check with your permission, and at that point you might see a small, temporary dip.
Educational answers only—not a loan offer or commitment to lend.
Let's map out your next move
Apply online, book a call, or reach Evan at (480) 334-7827.