As of Dec, 2014, Fannie Mae has announced a 3% down conventional home loan for first time home buyers. This can be a much better alternative to an FHA mortgage. Please call for details.
Why choose a mortgage broker in Santa Rosa instead of a traditional bank or a direct lender?
Mortgage brokers have far less overhead and pass the savings on to you in the form of lower rates. In the industry, we are referred to as the "Wholesale channel."
More products to fit your needs. Why work with just one institution with their set of requirements when we can scan dozens of lenders to find the best “fit” for you? We work with many mortgage lenders and can run your loan scenario through our software to determine exactly which lender is offering the best deal given your unique circumstances.
In house, efficient processing of your loan. We don’t send our work out to a processing center in India (yes, this happens). It’s done right here, and you will receive constant updates via our smart phone app as your home loan progresses.
Online loan application-just complete our online application process. We’ll put your disclosure package together and email it you for electronic signatures. This is the most efficient, hassle free process in the business.
Credit counseling—we will take a look at your credit and make recommendations that may quickly improve your credit score. This is a critical first step before initiating a home loan.
Buyer’s certificate—get a fully-underwritten approval before you start making offers on a new home. A pre-approval that most lenders offer carry little weight nowadays. A Certificate of Approval from America’s Home Loans will reassure the seller that you are, indeed, credit worthy and approved.
Download our free home loan payment calculator app to your smart phone--Click the image below:
Do you have 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.
re you a 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.
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"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."