Scott Lawson

You Deserve the Best Home Loan Experience

We provide the finest combination of technology and expertise to remove all of the stress from an otherwise stressful process.

Contact Me Today! Apply Now!

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  A Santa Rosa Mortgage Broker 

(707) 579-5411

 

Client Advantages:

Mission statement:

Obtaining a home loan should not feel like an assembly-line process. I believe that in-person consultations are best and helping to educate borrowers about every aspect of the home financing process is my most important task. Pre-planning in advance is critical so that nothing is rushed later in the process. Clients come in with questions and leave with incredible knowledge that will last a lifetime. Knowledge that will be indispensable when they need it most. We won’t just talk about a mortgage—I will take you through the entire home buying experience including real estate contracts, what to expect from your realtor (and how to choose a quality one), techniques to give you an edge in a competitive real estate market, credit score improvement if needed, milestones to expect during the home buying process (A to Z), and finally, what to expect after you close on your home (yep, there’s more after you get the keys). Please call to book a pre-planning appointment—in person if you can. I don’t run hit and run shop—I am focused solely on our customer’s fantastic home loan experience.

Products include:

High mortgage rates got you down? Please have a look at what the big banks are quoting today: Mortgage Rates – Today’s Rates from Bank of America. Here’s a local Credit Union: Current Mortgage, Loan, & Personal Banking Rates (redwoodcu.org). Now, call my direct rate quote hotline so I can show you the power of wholesale mortgage lending @ (707) 763-7900. I’ll ask a few short questions and will deliver a quote based on your unique financial situation that is sure to amaze. Ask for Scott, or email: scott@amh-loans.com

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 to get started.

Useful Articles:

  1. Pay your mortgage sooner and potentially save many thousands of dollars.
  2. Waiting for real estate prices to come down meaningfully so you can buy? Here’s something to think about.
  3. How do you know when it’s time to refinance your mortgage?
  4. Go ahead and rent–see what happens.

 

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

Current

California

Mortgage Rates

FHA Loans

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Last Updated: 2/22/2024

Conventional Loans

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Last Updated: 2/22/2024

VA Loans

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Last Updated: 2/22/2024

All 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.

Mortgage Calculators

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.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Santa Rosa? Now may be the right time to start saving money every month!

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%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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Get in Touch

(707) 579-5411 131A Stony Circle Suite 500
Santa Rosa, California 94954 NMLS# 312312
X Scott  Lawson

If you have any immediate questions or concerns don't hesitate to give us a call @ (707) 579-5411

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