America's Home Loans

Contact Us:

Phone: (707) 579-5411

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

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 5pm
Sunday: Closed

America's Home Loans

Your mortgage experts for purchase and refinance real-estate transactions located in Santa Rosa Ca off of Stony Point Rd

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

Tired of voicemail, unreturned phone calls and automated answering systems when you call a financial institution? Those do not exist at America's Home Loans. When you call for information about a home loan, we either answer or call you back right away. Having the "personal touch" is rare in modern society. We like to be different...

Check out our new Youtube channel [click here].

QualifyMeNow is a soft-inquiry credit report (no impact to your credit score) initiated by you with your specific lending criteria built in. QualifyMeNow instantly compares your credit data with our decisioning requirements and returns to you instant pre-qualified loan offerings. There is no charge for this service. Get qualified for a mortgage in seconds--[click here.] 

Please take a free copy of our Home Loan Toolkit--it contains everything you will need to know before you begin the home buying process. [Click here.]

In the process of getting a mortgage and being quoted a rate that seems out of line? It just might be, [here’s why].

Member of The California Association of Mortgage ProfessionalsNational Association of Mortgage Brokers and The Associaton of Independent Mortgage Experts. 

Looking for a VA mortgage broker or an FHA home loan? We have awesome pricing for these products. Call today for a quote that will astonish you.

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. Some of the names will be familiar, but only a broker has access to their wholesale divisions--and pricing. Here are a few:

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 regulator (California Department 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 mortgage 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.


Book an Appointment Today

In person - Zoom - Telephone


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

Middle Phone

Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

* Please note: this calculator is for illustration payments and actual payments may vary.

Real Reviews--Real Clients

Read Nbay N.'s review of America's Home Loans on Yelp

Read Angela H.'s review of America's Home Loans on Yelp

Read Tommy D.'s review of America's Home Loans on Yelp


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

Click here for more

VA Loan Benefits


No Down Payment!

There is no down payment on most home purchase!

  • Benefits
  • icon Avoid Needing Large Payment
  • icon Use Your Money For Other Things

Closing Costs

Some Veterans are eligible for limited closing costs

  • Benefits
  • icon Smaller Loan
  • icon Lower Payments


Avoid paying private mortgage insurance

  • Benefits
  • icon Hassle Free Funding 
  • icon Get Your Dream House

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 ($764,750 in Sonoma County)
  • 49.99 debt to income ratio maximum
  • Four years after bankruptcy (Chapter 7).
  • Seven years after foreclosure


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

Click here for more
Loan office work table

Today's Rates*

30 Yr Fxd5.290%5.300%
30 Yr Fxd FHA4.420%5.210%
15 Yr Fxd4.600%4.620%
*=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.
Click for more

Latest News

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