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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, 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.

Attn: Displaced homeowners or renters in Federally Declared Disaster Areas can qualify for 100% financing up to $636,150. Click here for details.

Looking for a VA or FHA home loan? We have some of lowest rates available for these products. Give us a call and let us prove it.

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 regulators (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 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.

Our products include:

FHA home 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

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 ($595,700 in Sonoma County)
50 debt to income ratio maximum
Four years after bankruptcy (Chapter 7). 
Seven years after foreclosure

 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.


Calculate Monthly Payment

term rate apr payment
30 Yr Fxd 3.99% 4.264%
15 Yr Fxd 3.5% 3.959%
5 Yr ARM 3.5% 4.394%
Loan Amount calculate

Latest News


"Scott Lawson is one of the best in the business. I am a CPA and work with approx. 400 clients and will not hesitate to refer them to Scott. Scott has all the qualities that make it very easy for me to recommend him. Scott is honest, efficient, knowledgeable, diligent, and professional. You would be doing yourself a disservice if you used anybody else."


John K.  Fairfax Ca