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

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.

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 Professionals, National Association of Mortgage Brokers and The Associaton of Independent Mortgage Experts. 

Down payment assistance programs for the first-time home buyer (you may qualify even if you have owned a home in the past). Click here for more information.  

Looking for a VA or 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:

Quicken Loans
Loan Depot
CMG Wholesale
Homepoint Financial

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 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 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.

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

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Book an Appointment Today

In person - Zoom - Telephone



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.

Refinance with Historically Low Rates!


Lower Monthly Payment

Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.

  • Good For
  • icon Extra Monthly Money
  • icon Retirement Savings!

Get Cash Out

If your house has increased in value, you can use that equity to get cash-out, for whatever you need!

  • Good For
  • icon Home Improvement
  • icon Paying high-interest debt

Shorten Your Loan Term

Rates on 15 year mortgages can make the payment similar but the pay-off years sooner!

  • Good For
  • icon Lower money towards interest
  • icon Paying off the home sooner!


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

Click here for more


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

Click here for more

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 ($707,250 in Sonoma County)
  • 49.99 debt to income ratio maximum
  • Four years after bankruptcy (Chapter 7).
  • Seven years after foreclosure
Couple searching for home loans


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

Loan office work table
Couple searching for home loans


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

Click here for more


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 Fxd3.670%3.740%
30 Yr Fxd FHA3.190%4.030%
15 Yr Fxd3.020%3.160%
*=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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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
Loan workspace

Contact Us

Call Us: (707) 579-5411

Email Us:

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 3.670% 3.740%
30 Yr Fxd FHA 3.190% 4.030%
15 Yr Fxd 3.020% 3.160%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.