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Welcome To America's Home Loans
Located at 131A Stony Circle, Santa Rosa Ca
Santa Rosa Mortgage broker, serving all of Sonoma County including, Petaluma, Rohnert Park, Cotati, Windsor 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.
2019 Investor Refinance Special - 40 year fixed! Interest only payment! Click here for more information.
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.
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 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.
- $0 down payment
- Two years out of bankruptcy / foreclosure
- Closing costs can be financed
- No additional mortgage insurance payments
- County loan limits apply ($648,600 in Sonoma County)
- 50 debt to income ratio maximum
- Four years after bankruptcy (Chapter 7).
- Seven years after foreclosure
|30 Yr Fxd||4.375%||4.635%|
|15 Yr Fxd||3.875%||4.323%|
|5 Yr ARM||3.875%||4.932%|
Deciding which loan is right, can be a difficult decision. We're here to help.
Click for more
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