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Welcome to America's Home Loans

For the latest mortgage rates, call our toll-free, recorded Home Loan Rate Hotline  (877) 566-8303 Ext 1001

Mortgage broker located in Santa Rosa, Ca serving all of Sonoma county including Petaluma Rohnert Park, CotatiWindsor and Sonoma

Download our free home loan payment calculator app to your smart phone--Click the image below:

The Department of Housing and Urban Development
has recently shortened the waiting requirement after a short sale or foreclosure from 3 years to 1 for a new FHA mortgage under certain circumstances. Please call for details.

Need FHA? We can certainly accommodate your FHA home loan needs. But, you may be surprised that a 3% conventional mortgage loan with no additional mortgage insurance payment may be a better fit for you. Your mortgage professional should always try to present you with home-loan options and not operate on a "one product fits all" mentality.

Credit Issues? Give us a call for a comprehensive credit analysis at no charge. We'll get you on the right path to improve your creditworthiness to help you qualify for a mortgage. What's important is not what you've done, it's what you do next.

Have you purchased a home in an all cash transaction expecting to mortgage it later? Be careful, you may have only 90 days to finance the property and still be able to deduct the mortgage interest. Please consult with a tax professional for more details.

First-Time Home Buyer?
Call us for an appointment anytime--including weekends. Free credit report and thorough consultation available to get you started out the right way for your new home loan.

 Voicemail, email, endless text messages, phone calls not returned... Tired of the new normal? At America's Home Loans, your loan officer will be with you from start to finish. We do not hand off our mortgage packages to an assistant and forget about you. When you call your agent, you will either get them on the phone or get a returned phone call quickly. Our agents are trained to handle the entire process--not just the sale. If you prefer a mortgage broker with a more personal touch with accountability, America's Home Loans cannot be beat...
As true mortgage brokers, we have more products to fit your individual needs than most of the competition. Whether it's VA, FHA, USDA or loans for the credit challenged--we are here to help you. Please visit the Department of Housing and Urban Development for the latest updates on mortgage-related issues.

Also, no upfront application fees or any other "junk" fees--ever!

Bring us an offer for a home loan from any other lender, and let us evaluate it for accuracy and then try make you a better offer...

Calculate Monthly Payment

term rate apr payment
30 Yr Fxd 4.125% 4.367%
15 Yr Fxd 3.25% 3.688%
5 Yr ARM 2.875% 3.038%
Loan Amount calculate

Latest News

Exclusive: China meat supplier faced claims last year over unethical work practices

Security guards stand inside the Husi Food factory in ShanghaiBy Kazunori Takada SHANGHAI (Reuters) - Shanghai Husi Food, the U.S.-owned Chinese food supplier at the center of a meat safety scandal, won a court case earlier this year against a former quality control officer whose claims included that he was made to forge meat production dates. Wang Donglai, who worked at Shanghai Husi Food from 2007 to 2013, sought around 38,000 yuan ($6,100) in compensation for damage to his health from exposure to chlorine used as a cleaning agent by the meat processor. He also sought to terminate his contract at Shanghai Husi, claiming he was forced to work overtime and made to do "unethical work" that violated food safety laws, court documents showed. At his hearing last October, Wang said he was unwilling to illegally forge dates at the plant, adding that he repeatedly urged his employer to change a practice which he said violated food safety laws and hurt consumer interests, according to court documents seen by Reuters.


"Scott Lawson is one of the best in the business. I am a CPA and work with approx. 400 clients and will not hesitate to refer them to Scott. Scott has all the qualities that make it very easy for me to recommend him. Scott is honest, efficient, knowledgeable, diligent, and professional. You would be doing yourself a disservice if you used anybody else."


John K.  Fairfax Ca