Petaluma's Top-Rated Independent Mortgage Broker

(707) 763-7900

Purchase Refinance

Explore Your Loan Options

Loan Options

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

A Petaluma mortgage broker with a difference.

Mission Statement:

To help my clients purchase a home with a financial planning perspective.

A home loan should not feel like an assembly-line process. I believe that in-person consultations are best and helping to educate borrowers about every aspect of the home financing process is my most important task. Pre-planning in advance is critical so that nothing is rushed later in the process. Clients come in with questions and leave with incredible knowledge that will last a lifetime. Knowledge that will be indispensable when they need it most. We won’t just talk about a mortgage—I will take you through the entire home buying experience including real estate contracts, what to expect from your realtor (and how to choose a quality one), techniques to give you an edge in a competitive real estate market, credit score improvement if needed, milestones to expect during the home buying process (A to Z), and finally, what to expect after you close on your home (yep, there’s more after you get the keys). Please call to book a pre-planning appointment—in person if you can. I don’t run hit and run shop—I am focused solely on our customer’s fantastic experience.

High mortgage rates got you down? Please have a look at what the big banks are quoting today: Mortgage Rates – Today’s Rates from Bank of America. Now, call my direct rate quote hotline so I can show you the power of wholesale mortgage lending: (707) 763-7900. I’ll ask a few short questions and will deliver a quote based on your unique financial situation that is sure to amaze. Ask for Scott.

QualifyMeNow is a soft-inquiry credit report (no impact to your credit score) initiated by you with your specific lending criteria built in. QualifyMeNow instantly compares your credit data with our decisioning requirements and returns to you instant pre-qualified loan offerings. There is no charge for this service. Get qualified for a mortgage in seconds–click here to get started.

Waiting for real estate prices to come down meaningfully so you can buy? [Click here]

First time homebuyer programs and down payment assistance – [Click here]

High interest rates got you down? We have some creative ideas – [Click here]

 

                                                                                                                                                 Petaluma Chamber of Commerce Link

 

We do the home loan shopping, so you don’t have to.

We have 3 locations to better serve you: Santa Rosa, Petaluma and San Rafael

Licensed by the California Department of Real Estate 01524386 and the Nationwide Mortgage Licensing System 231434

 

Current

California

Mortgage Rates

FHA Loans

Rate

1W Change %

APR

1W Change %

Rate

1W Change %

APR

1W Change %
Last Updated: 12/7/2023

Conventional Loans

Rate

1W Change %

APR

1W Change %

Rate

1W Change %

APR

1W Change %
Last Updated: 12/7/2023

VA Loans

Rate

1W Change %

APR

1W Change %

Rate

1W Change %

APR

1W Change %
Last Updated: 12/7/2023

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Scott Lawson to receive a personalized rate for your specific situation.

Popular Petaluma Home Loans Which loan is right for YOU?

First Time Homebuyers Petaluma

FHA Home Loans Petaluma California

FHA home loans are popular among Petaluma first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Petaluma

Conventional Home Loans Petaluma California

A conventional(fixed-rate mortgage) is a popular type of home financing in Petaluma because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Petaluma

Jumbo Home Loans Petaluma California

A jumbo home loan is a mortgage used to finance Petaluma properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Petaluma? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

Safe Winter Storage Tips Petaluma December 1, 2023

Safe Winter Storage Tips

Safe Winter Storage Tips As the cold winter months approach, homeowners gear up for the challenges that come with plummeting temperatures. Besides winterizing their homes and vehicles, it’s crucial to consider the safe storage of items like gasoline and other potentially hazardous materials. Proper storage not only ensures safety but also preserves the quality and…

Read Post
7 Proven Tips to Boost Curb Appeal Petaluma November 24, 2023

7 Proven Tips to Boost Curb Appeal

When it comes to making a lasting impression, your home's exterior is the key. A well-maintained and visually appealing facade not only welcomes you back every day but also catches the eye of visitors and potential buyers. Here are seven tried-and-true tips to spruce up your home's curb appeal: Let’s Elevate Your Home's Charm 1.…

Read Post
Get Your House Guest-Ready in Under an Hour Petaluma November 17, 2023

Get Your House Guest-Ready in Under an Hour

The holiday season is upon us, and that means gatherings, laughter, and the joy of hosting friends and family. Sometimes, those moments happen spontaneously. Whether it’s a planned gathering or an unexpected visit, getting your house guest-ready in under an hour can feel daunting. Fear not! With a strategic approach and a dash of creativity,…

Read Post
X
Scott  Lawson

Questions?

(707) 763-7900 Email Us

Thanks again for choosing America's Home Loans!

X

Get in Touch

Contact Scott  Lawson

Scott Lawson

11 Petaluma Blvd N., Suite 206
Petaluma, California 94952
(707) 763-7900
NMLS# 312312

Send an Email

X Scott  Lawson

If you have any immediate questions or concerns don't hesitate to give us a call @ (707) 763-7900

0%

I agree to the following terms & conditions

I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.

Book Appt!