Petaluma's Top-Rated Independent Mortgage Broker

(707) 763-7900

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A Petaluma mortgage broker with a difference. Here are a few of the reasons to work with us:

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 the home loan industry, 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 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–I won’t allow it.

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 on credit improvement or you’re self-employed, our experienced staff is here to help.

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]

 

                                                                                                                                                 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

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Last Updated: 9/27/2023

Conventional Loans

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VA Loans

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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.

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$

$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.

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5%

1%

5%

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$

$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!

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4.5%

1%

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$

$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!

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months
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Refinancing could save you

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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!

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%

You can afford up to

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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

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Scott Lawson

6 Petaluma Blvd Suite B8
Petaluma, California 94952
(707) 763-7900
NMLS# 312312

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