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  • Get the right loan, right now!
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Get the Right Loan, Right Now!

We will help you find the loan that fits your needs!

Welcome To America's Home Loans

Located at 131A Stony Circle, Santa Rosa Ca

 

Santa Rosa Mortgage broker, serving all of Sonoma County including, PetalumaRohnert Park, CotatiWindsor and Sonoma. Weekend and evening appointments available for all of your home loan needs. Our phones are open 7 days a week.

Attn: Displaced homeowners or renters in Federally Declared Disaster Areas can qualify for 100% financing up to $636,150. Click here for details.

Looking for a VA or FHA home loan? We have some of lowest rates available for these products. Give us a call and let us prove it.

Here at America’s Home Loans, you will have a dedicated mortgage professional assigned to you—someone who will stay with you throughout the entire home loan process, and will not simply take your application and hand you off to an assistant. We strive to give that extra, personal touch that most companies seem to have lost these days. Give us a call and put us to the test—you will not be disappointed.

Why work with a mortgage broker?

With a bank, you have one product line--we have relationships with dozens of lenders, which allows us to do the shopping for you. We will find the perfect mortgage solution for your needs.

Lower overhead--which translates to a better deal for you. Mortgage brokers work in the wholesale channel, and the savings are passed on to the borrower.

No fees--we do not charge our clients directly; we are compensated by the lender. There are no add-ons or "junk fees" charged by us--ever.

Mortgage brokers have more extensive training and are fully licensed by the Nationwide Mortgage Licensing System and by our state regulators (California Bureau of Real Estate). We are not only licensed loan officers, but also licensed real estate agents. The process to become a mortgage broker is far more rigorous than what is required to be a banker. You are simply dealing with the best in the industry.

Credit counseling when necessary. We’ll review your credit and can make some recommendations to “touch up” your score to make certain you get the best rate available for your mortgage needs. This is a free service and can be extraordinarily valuable in many cases.

We offer one of the most advanced home-loan processes in our industry. Our mortgage applications can be taken online and can be signed electronically. We then offer you an app for your smartphone and you will receive notifications as each step of the process is completed. You will always be “in the loop.”

Check us out on Yelp—real reviews, real people. Each and every review is from one of our past clients, many of which have used our services more than once. Before you choose a lender offering you a deal that seems too good to be true, make sure you research them first. See our reviews here.

Hot New Product: 10% down Jumbo mortgage, no mortgage insurance. Loans now available up to $1.5 million--call for details.

 Members of The National Association of Mortgage Brokers and The California Mortgage Professionals

Santa Rosa Mortgage broker offering Santa Rosa Home Loans with the most competitive rates available.

VA mortgage:

  • $0 down payment
  • Two years out of bankruptcy / foreclosure
  • Closing costs can be financed
  • No additional mortgage insurance payments

Conventional mortgage:

  • County loan limits apply ($595,700 in Sonoma County)
  • 50 debt to income ratio maximum
  • Four years after bankruptcy (Chapter 7).
  • Seven years after foreclosure
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CHECK US OUT ON YELP

Read Meagan B.'s review of America's Home Loans on Yelp
Read Heather L.'s review of America's Home Loans on Yelp

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Couple searching for home loans

Purchasing

Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime we are here to help.

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Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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Commercial loans

Commercial Loans

Our team is committed to being the fast, creative, and reliable consultants that will help you close and fund commercial.

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Today's Rates*

TermRateAPR
30 Yr Fxd4.375%4.668%
15 Yr Fxd3.99%4.439%
5 Yr ARM3.75%4.57%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.
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Latest News

With $116 billion cash, Buffett says Berkshire needs 'huge' deals

NEW YORK (Reuters) - Warren Buffett on Saturday lamented his inability to find big companies to buy and said his goal is to make "one or more huge acquisitions" of non-insurance businesses to bolster...

FHA home loan:

There are lots of good reasons to choose an FHA loan.

  • As low as 3.5% down payment
  • Credit scores as low as 580--down to 500 with a larger down payment
  • Co-signers ok
  • Higher debt to income ratios vs. conventional mortgage products
  • Two years out of Chapter 7 bankruptcy--three years out of foreclosure ok
Click here for more
FHA Home Loans
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Contact Us

Call Us: (707) 579-5411

Email Us: inquiries@amh-loans.com

Our Address: 131A Stony Circle, Suite 500, Santa Rosa, CA 95401

Mortgage Learning Center
Mortgage Calculate Monthly Payment

Calculate Monthly Payment*

Term Rate Apr Payment
30 Yr Fxd 4.375% 4.668%
15 Yr Fxd 3.99% 4.439%
5 Yr ARM 3.75% 4.57%
Calculate
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.