Scott Lawson

Loan Officer

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 what can be a stressful process

Happy Family with new house
News Update Alert

Latest Mortgage News

8/26/2024

Fannie Mae and Freddie Mac have lifted the conforming loan amount to $802,650 for the rest of 2024 through 2025, giving borrowers more flexibility and more choices when choosing a home loan product.

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Para mas informacion, no dudes en ponerte en contacto con Carlos Pena para asistencia en la compra o venta en la gestion de tus necesidades inmobiliarias

Key Features

 

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

A person giving a hand signal that all is good

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 

You Have Questions, I Have Answers

The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.

Usually, people refinance to save money either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savingsDivide the total cost of the refinance (#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing. Since refinancing is a complex topic, consult a mortgage professional.

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.

A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender "underwrites" the loan, which means deciding whether or not you are an acceptable risk.

Not necessarily. In fact, if you are a reasonably astute shopper, you will probably do better dealing with a mortgage broker. Mortgage brokers do not add any net cost to the lending process, because they perform functions that would otherwise have to be done by employees of the lender. Furthermore, because mortgage brokers deal with multiple lenders -- in a typical case, 25 to 30, sometimes more -- they can shop for the best terms available on any given day. In addition, they can find the lenders who specialize in various market niches that many other lenders avoid, such as loans to applicants with poor credit ratings, loans to borrowers who do not intend to occupy the property, loans with minimal or no down payment, and so on.

Both income and assets are disclosed and verified, and income is used in determining the applicant's ability to repay the mortgage. Formal verification requires the borrower's employer to verify employment and the borrower's bank to verify deposits. Alternative documentation, designed to save time, accepts copies of the borrower's original bank statements, W-2s and paycheck stubs.

Stated income/verified assets: Income is disclosed and the source of the income is verified, but the amount is not verified. Assets are verified, and must meet an adequacy standard such as, for example, 6 months of stated income and 2 months of expected monthly housing expense. Stated income/stated assets: Both income and assets are disclosed but not verified. However, the source of the borrower's income is verified. No ratio: Income is disclosed and verified but not used in qualifying the borrower. The standard rule that the borrower's housing expense cannot exceed some specified percent of income, is ignored. Assets are disclosed and verified. No income: Income is not disclosed, but assets are disclosed and verified, and must meet an adequacy standard. Stated Assets or No asset verification: Assets are disclosed but not verified, income is disclosed, verified and used to qualify the applicant. No asset: Assets are not disclosed, but income is disclosed, verified and used to qualify the applicant. No income/no assets: Neither income nor assets are disclosed.

It is the list of settlement charges that the lender is obliged to provide the borrower within three business days of receiving the loan application.

A loan eligible for purchase by the two major Federal agencies that buy mortgages, Fannie Mae and Freddie Mac.

A mortgage larger than the maximum eligible for conforming purchase by the two Federal agencies, Fannie Mae and Freddie Mac.

It is an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount; e.g., "2 points" means a charge equal to 2% of the loan balance.

This is the process of determining whether a customer has enough cash and sufficient income to meet the qualification requirements set by the lender on a requested loan. A pre-qualification is subject to verification of the information provided by the applicant. A pre-qualification is short of approval because it does not take account of the credit history of the borrower.

Mortgage Products We Offer

 

  • Mortgage Refinance - Both rate and term, and cash out options are available. Rates are coming down fast
  • 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 comes in handy when needed
  • 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
  • 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

About Me

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

About Me

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

A blue house that can be made yours through a loan

Loan Programs

Here at America's Home Loans, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

A blue house that can be made yours through a loan
Loan Programs

Here at America's Home Loans, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Mortgage application form with an accompanying calculator

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Mortgage application form with an accompanying calculator
Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Happy family moving in to their new home thanks to America's Home Loans Unlock the key to your new home with America's Home Loans
years of experience

WHO WE ARE

Your Home, Our Expertise: Your Perfect Mortgage Partner

Our Vision Our Mission

Fast Approval: Streamlined application and approval process to get you into your new home sooner.

To provide exceptional service to clients by offering a wide range of mortgage products and services, while maintaining the highest level of integrity and professionalism.