Scott Lawson
Residential & Commercial Financing Advisor
NMLS 312312
(707) 579-5411
Scott Lawson
Residential & Commercial Financing Advisor
NMLS 312312
(707) 579-5411
Mortgage loan programs in Santa Rosa and across Sonoma County, priced through the wholesale channel. As an independent broker, America's Home Loans compares dozens of lenders to match the right program to your situation.
Every program below is available through our lender network. We compare them side by side so you don't have to.
Financing to buy your next home, with options compared across our wholesale lenders to fit your down payment, income, and goals.
Fannie Mae and Freddie Mac loans, the most common home loans in America. A strong fit for borrowers with solid credit and steady, documented income.
A flexible, government-insured loan with lower down payment and credit requirements than most conventional loans. Useful in many buying and refinancing situations.
For eligible veterans and service members, often with no down payment required. A certified VA mortgage broker is on staff to guide you through it.
Government-backed loans for homes in eligible rural and suburban areas, with no down payment required for qualified buyers who meet income limits.
For loan amounts above the conforming loan limit, with pricing compared across our wholesale jumbo lenders.
Programs that can help cover your down payment or closing costs, often paired with first-time buyer loans. Eligibility varies by program.
Turn home equity into cash flow with no monthly mortgage payment required. HECM loans begin at age 62, and private reverse products are available from age 55.
Qualify based on the property's rental income and expenses along with your credit profile, without relying on your personal tax returns.
Flexible options for self-employed borrowers and others whose income does not fit standard guidelines, including bank statement loans.
Financing for non-U.S. citizens buying property in the United States, often without a U.S. credit history.
Financing to build a new home or take on a major renovation, with funds released in stages as the work progresses.
Financing for income-producing and business properties, such as apartment buildings, mixed-use, retail, and office, matched to lenders that specialize in commercial real estate.
A HUD-guaranteed home loan for members of federally recognized tribes, with a low down payment and flexible qualifying.
Tell us about your situation and we will compare programs across our lender network, then walk you through the best options.
America's Home Loans | 131A Stony Circle Suite 500, Santa Rosa, CA 95401 | NMLS 312312 | CA DRE 01895185