Scott Lawson

Loan Officer

NMLS: 312312

707-763-7900

Scott Lawson Loan Officer

A Petaluma Mortgage Broker

We Do the Home Loan Shopping So You Don't Have To

 

As true mortgage brokers, we rank dozens of lenders daily to find the right loan at the best rate possible for our clients

 

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Welcome to America's Home Loans

Centrally located in Petaluma on Petaluma Blvd, we are one of the few pure mortgage brokers in the area with wholesale home loan pricing. We take all of the stress out of what can be a very stressful process.

We cover all of Sonoma County, including: 

Rohnert Park, Cotati, Sebastopol, Penngrove, Guerneville, Forestville

 

 


 

Set an Appointment Today - Here's what you will learn:
 

For buyers and those that need to refinance:

  • How much will 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?


Get started today--Click the button

Get an Appointment

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

Benefits
 

  • A strong pre-approval written by a professional Petaluma 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 to add to your contact/favorites list

 

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 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
  • One-close construction renovation loans - Perfect for the "fixer upper" project
  • Commercial Loans
  • Bridge Loans - Short term financing to avoid having to sell your current home when simultaneously buying another
  • Land Loans