A “pure” mortgage broker in Santa Rosa. Here are a few of the reasons to work with us:
Products–If you speak with a bank or local “direct” lender, you are limiting yourself to the loan products that they have. We are approved to do business with dozens of different lenders which gives us access to a multitude of products so we can find the best fit for your unique financial situation. This gives us a massive advantage over the competition whether it’s FHA, VA, Conventional or a Jumbo home loan that fits your needs.
Pricing–America’s Home Loans operates in the wholesale channel of the home loan industry, giving us amazing pricing power over banks and other lending options. We take your scenario and put it through our software to find the best priced wholesale lender for your benefit. It’s an amazing tool and a huge advantage for our clients.
Process–We offer state of the art technology for our clients, along with that old-fashioned approach to communications. We provide a fabulous app for your phone or tablet where you receive updates when each milestone in the home loan process has been reached and you always have a click-to-call button should you have any questions so you can easily find your loan officer. Communication in our industry is sadly lacking, but not here. I won’t allow it.
People–Our shop is at the “top of the food chain” in the home loan business. Our people are the most experienced and best trained anywhere. If you have a difficult financial picture, we’re ready for you. Whether you need advice on credit improvement or you’re self-employed, our experienced staff is here to help.
We do the home loan shopping, so you don’t have to.
We have 3 locations to better serve you: Santa Rosa, Petaluma and San Rafael
Licensed by the California Department of Real Estate 01524386 and the Nationwide Mortgage Licensing System 231434
California
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Scott Lawson to receive a personalized rate for your specific situation.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Santa Rosa? Now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
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