Scott Lawson

Mortgage Broker / Loan Advisor

NMLS 312312

(707) 579-5411

Scott Lawson Loan Officer

Santa Rosa Mortgage Broker

You Deserve an Awesome Mortgage Experience

 

We provide the finest combination of technology and human expertise to remove all anxiety from a very stressful process

 

Happy Family with new house

 

 

Two first time home buyers

First Time Home Buyers

  • Credit improvement
  • Down payment assistance options
  • The loan process
  • The payment - what to expect
First Time Home Buyers
Retirees considering a reverse mortgage

Reverse Mortgage 

A reverse mortgage may be just what you need to put yourself into a significantly better financial position.

Reverse Information
Business professional drawing plans

Loan Solutions for Investors

From traditional Fannie Mae/ Freddie Mac mortgages to business purpose loans such as the Debt Service Coverage Ratio (DSCR) loans. I have many sources for private money loans as well if needed.

Investor Loans
Woman panicked about when she should refinance

Refinancing a Mortgage

What to know and what questions to ask when refinancing a mortgage. Here's what to know before you make a costly financial mistake.

Refinance Inteligently
Business meeting

Mortgage Solutions for the Self Employed

A traditional loan works for many situations, but not for most of the scenarios. Where banks say no, I can most likely find a solution that will work for you. 

Mortgage Solutions for Self Employed

 
Why We're Better
 

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 mortgage providers, 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 mortgage 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.

 

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 for credit improvement or you’re self-employed, our experienced staff is here to help with your mortgage needs.

 

 

Lenders On Our Platform
 

  • Rocket Mortgage
  • PennyMac
  • The Loan Store
  • Paramount Residential Mortgage
  • Plaza Home Mortgage
  • NewRez LLC
  • Kind Lending
  • Provident Funding
  • Loan Depot - and many more
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Unique Benefits

 

  • A strong pre-approval written by a professional Santa Rosa mortgage broker (local). This you can take to the bank–literally
  • An in-person educational experience where you will learn everything about buying and financing real estate
  • A lifelong mortgage and real estate advisor that you will likely call a friend 
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Book Your Appointment Now

The best way to get started and have all of your questions answered is to set an appointment--either in person or on the phone. Check availability and secure your time slot today.

 

Get My Appointment

 
Mortgage Products We Offer

 

  • Mortgage Refinance - Both rate and term, and cash out options are available. 
  • Reverse mortgage - A fantastic loan option for folks 62 and older. 
  • Conventional Mortgages - Fannie Mae and Freddie Mac loans. These are the most common home loans in America
  • FHA Mortgage - A very flexible home loan product that can be quite useful in many situations
  • VA Mortgage - Military veterans--thank you for your service! A certified VA Mortgage Broker is on staff
  • Jumbo Mortage Loans - Home loans above the county conventional loan limits. We have many to choose from
  • Bank Statement Loans for the self-employed - When tax returns just won't get the job done
  • ITIN loans for borrowers that do not have a Social Security number. These can be paired with bank statement loans for the self employed
  • Specialty loans for the investor - Debt Service Coverage Ratio (DSCR) loans. Only the property rental income and expenses are considered for loan approval along with the borrower's credit profile
  • Construction loans - Construction to permanent loans are available
  • Commercial Loans
  • Bridge Loans - Short term financing to avoid having to sell your current home when simultaneously buying another
  • Land Loans