Welcome to America's Home Loans
 

For the latest mortgage rates, call our toll-free, recorded Home Loan Rate Hotline  (877) 566-8303 Ext 1001

Mortgage broker located in Santa Rosa, Ca serving all of Sonoma county including Petaluma,  Rohnert Park, Cotati, Windsor and Sonoma. Our mobile service will also cater to the rest of the bay area as far south as San Jose. Need a house call? call us...

Having trouble getting your offer accepted by a seller? Try adding a fully-underwritten approval to your offers. It means the loan is ready to close--it just needs a house! This also means you can offer a much shorter escrow close to the seller. In this market, you need every advantage possible. Give us a call for more information.

First-Time Home Buyer? Call us for an appointment anytime--including weekends. Free credit report and thorough consultation available to get you started out the right way.

Looking for an FHA streamline refinance? If you have 5% equity in your property, you may be able to get rid of that FHA loan altogether by shifting to a conventional loan with no additional mortgage insurance payment. Give us a call for a complete review to see if can make this happen for you.
 

Bank approvals are taking over 30 days--We are doing it in 3!

Purchasing a home is a difficult process--don't make it harder, or impossible by dealing with a large, clumsy financial institution. If you would like a streamlined process with a mortgage broker that you can trust, complete the online application and someone will be calling you within 15 minutes--guaranteed.

 
Voicemail, email, endless text messages, phone calls not returned... Tired of the new normal? 

At America's Home Loans, your loan officer will be with you from start to finish. We do not hand off our mortgage packages to an assistant and forget about you. When you call your agent, you will either get them on the phone or get a returned phone call quickly. Our agents are trained to handle the entire process--not just the sale. If you prefer a mortgage broker with a more personal touch with accountability, America's Home Loans cannot be beat...
  
 

Solutions for Self Employed Borrowers!

Qualifying your self-employed borrowers doesn’t have to be painful! Below are just some of our Portfolio ARM niches that help out business owners…

• We don’t require a minimum 2 years self employed. Rather we look at each borrower case-by-case and will consider less than 2 years self employment for exceptional clients.
   

• We allow Business Assets to be used towards down payment and reserves!

• We allow your client to vest in their LLC, partnership, corporation or trust (even non-revocable trusts).

New Niche:  Any Amortization Period from 8 to 30 years OK!

America's Home Loans will allow all fixed rate mortgage to have a customized amortization period chosen by the borrower.  For example, a borrower who has been paying 7 years on a 30 year fixed mortgage may prefer to refinance to a 23 year amortization (years remaining on old mortgage) on his/her new loan.   Basically America's Home Loans can make the amortization term between 8 and 30 years, not to exceed the fixed term of the loan.

Solutions for Departing Residences

Is your borrower having trouble qualifying because they want to buy a new home but can’t qualify until their current home is sold?

• Exclude Mortgage Payment if Selling*– if the house is listed for sale, then we will allow the borrower to exclude their existing mortgage payment and qualify on the subject property alone. However, they must have an additional 6 mos reserves for the listed property. 
• No 30% Equity Rule if Renting*– per Agency guidelines you must have 30% equity in the existing home in order to use rental income to offset the mortgage payments.  Our rule is you have to have some equity, but not necessarily 30%   

Did you know?

Have you had a recent bankruptcy, foreclosure or short sale? Let us set you up with a plan so you can own a home again. Perhaps sooner than you think...