Santa Rosa Mortgage Broker

With the recent radical run up in mortgage rates, you're likely shopping around for a better interest rate story than what you're being told by another mortgage professional. It’s very important that you speak with someone that keeps a very close watch on what is being offered from various local banks and lenders. I know on any given day what’s being offered and when you call me, I’m going to be prepared to offer you something better than what they can get elsewhere. That’s how a broker operates as opposed to a direct lender or a bank. We have considerable flexibility with respect to our pricing structure and can often offer the public a mortgage rate that cannot be beat elsewhere.

I will add that one of my questions when I interview a prospective client is whether or not they have an existing private banking relationship. If they do, I will suggest they call their banking representative and get a quote directly from that source first and then call me. Some relationships like this will often offer below market rates and it may be what’s best for the consumer ultimately.

And what’s best for the consumer is all that really matters.

(707) 579-5411

As a pure, independant Santa Rosa Ca mortgage broker, we have huge advantages over other lending institutions:

• Financing relationships with dozens of mortgage lenders
• Our lenders operate in the wholesale mortgage channel. They are not available to the public and offer mortgage pricing typically below what the public can get through other home loan sources
• A low-cost overhead structure means we pass the savings on to you. Our loan officers handle the whole process themselves. If you have a question, your representative will be right there with the answer
• No robot call answering--just real humans to talk to (AI will answer when we can't)
• Seasoned, most experienced loan officers that you can find
• We are also licensed real estate agents with the California Department of Real Estate. This gives us a unique edge when financing a home purchase

We serve all of Sonoma County including Rohnert Park, Cotati, Sebastopol, Windsor and Healdsburg

Try our quick, state of the art, mortgage qualifying tool. It was built by one of our staff and is unique to our industry

Set an appointment - either in person or over the phone. Here's what you get:

For buyers and those that need to refinance:

• How much you qualify for—proper calculation of income must be done perfectly-No mistakes
• Which loan product will be optimal for your situation
• How to improve your credit score quickly if needed
• How the home insurance industry has changed and what to expect
• Closing costs—what to expect so you’re not surprised later
• What your monthly payment is going to be and how to minimize it as much as possible

Specifically for home buyers:

• How to choose an effective real estate agent
• How the initial deposit works and how to protect yourself from loss during the contingency removal process
• Down payment—put down as much as you can or the minimum depending on the loan product and overall situation
• What contract contingencies are and how to remove them carefully and effectively
• Detailed explanation of the loan process from acceptance of your contract through close of escrow
• Should you pay points, or not?
• How does the rate lock work?

Take Your First Step to get Started

• 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
•  HUD section 184 mortgage for native american indians
• 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

You could start with a real estate agent, but they will ask you to get pre-approved for a mortgage and then to come back. Hit the Apply Button below to begin

• Same-day loan approval (usually within an hour)
• Your information is kept strictly confidential
• No credit check required--a phone call with a few questions is all that is needed

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.

• Credit improvement
• Down payment assistance options
• The loan process
• The payment - what to expect

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

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.

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. 

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