America's Home Loans

America's Home Loans provides comprehensive mortgage brokerage services connecting borrowers with multiple wholesale lenders. Our experts analyze your financial situation to find optimal loan products with competitive rates. We handle all loan types including conventional, government-backed, and specialty mortgages while maintaining strict confidentiality throughout the process.

Specialized reverse mortgage solutions for homeowners aged 62+. Our experts explain how these loans convert home equity into tax-free income while allowing you to remain in your home. We provide clear explanations about repayment terms and help determine if this option fits your retirement strategy.

Tailored support for first-time homebuyers including down payment assistance programs and credit improvement guidance. We explain loan options, help calculate affordability, and provide education about closing costs and the entire home buying process from pre-approval to escrow closing.

Commercial loan solutions for real estate investors and business owners. Our expertise includes DSCR loans that qualify based on property income, construction financing, and investment property mortgages. We access multiple lenders to find competitive terms for income-producing properties.

Specialized mortgage programs for self-employed individuals and business owners. We offer bank statement loans and alternative documentation options that verify income differently than traditional W-2 based mortgages. Our experts help navigate unique underwriting requirements for self-employed borrowers.

NMLS #312312 mortgage expert with deep local market knowledge. Specializes in educating clients about mortgage options without high-pressure sales tactics. Provides personalized guidance through the entire loan process while focusing on long-term financial goals.

We offer conventional, FHA, VA, USDA, jumbo, reverse, construction, commercial, and specialty loans including DSCR and bank statement programs for self-employed borrowers.

As a mortgage broker with access to multiple wholesale lenders, we compare loan products from various sources including Rocket Mortgage, Pennymac, and other major lenders to find you the best rate.

Yes, we specialize in first-time homebuyer programs including down payment assistance options and provide comprehensive education about the entire home buying process.

We primarily serve Sonoma County including Santa Rosa, Rohnert Park, Cotati, Sebastopol, Windsor, and Healdsburg.

Our process begins with a consultation to understand your financial situation, followed by loan product comparison, pre-approval, and guided support through closing with real-time updates via our mobile app.

At this point I have worked with Scott Lawson for three loans. One purchase (which he was a total rock star and helped us through all of the craziness of purchasing our first home) as well as two re-finances of said home. Scott is amazing and dedicated to his clients. I always feel like he is on my side and will tell me like it is (something very important when you are talking about money!). I refer absolutely everyone to him--especially if they are not sure that they can afford a home. Why?

Because he will tell them the truth and give them options without bias or "how will this benefit me" thinking. I have rarely worked with someone who is so on top of things with excellent ability to keep track of everything that is going on. Home financing is SCARY and it can be super overwhelming but Scott is great about breaking things down, telling you what's going on (and WHY), and timelines. I truly appreciate working with Scott and will continue to send business his way. A++++!

Jason Morales guided us through a complex transaction as our mortgage broker with ease and confidence. We were relocating from over 3,000 miles away and buying sight unseen in a new place we had never been to before, it was stressful and scary to say the least! Jason made us feel so comfortable that we were in great hands and that he would get us across the finish line. I absolutely loved the personal touch of his video messages, it made me feel less far away and that we were connected throughout the transaction.

He was responsive and went above and beyond every step of the way. We could not recommend Jason more to any upcoming home purchasers, he as a client for life in our family! Jess Hulser, Mark Greene & our kiddos

Jason Morales is just the best Mortgage Broker in the business! We had been trying to refinance, I went to all the "big name" lenders, many said they could help, when it became complicated they dropped the ball, I was fortunate to meet Jason, he said he could help, I was skeptical, true to his word he made it happen! We had a very complicated file including an IRS lien I was not aware of. Not only did he work his tail off but he did it with a smile on his face! He got us an amazing rate! I recommend Jason to everyone, he is top notch!

As a local real estate professional I need a lender who works with me as a partner and Jason is just such a lender! He was always available to chat and work through stratagies with me and my buyers and when we were working hard on the weekends or late at night he was right there beside us as a team player. Thank you Jason for your dedication to not only your job but our clients! It was a pleasure to work with you Jason!

Jason at America's Home Loans not only met our expectations but far exceeded them. We had a challenging home purchase but he communicated well and kindly every step of the way. We have our dream home because of his persistence and ability to get it done. We are so grateful to this team, our little girl now gets to grow up in her very own home because they rooted for us every step of the way.

Scott was easy to work with, captured a decent rate, and the whole process felt effortless. We will definitely consider Scott when in need of another home loan.

My home search took a turn for the worse after my lender backed out on me after getting into contract on a home. I found another lender who said they could help me obtain my loan during their initial review - but they too also were hesitant with my VA loan during the COVID-19 pandemic. I was just about to give up on my search and try to salvage what escrow money I could - when I decided to call a mortgage broker - I was lucky enough to get in touch with Scott Lawson. Scott took the time to learn about my loan qualifications after I told him about my experience with my previous two lenders. Scott clearly has extensive knowledge and expertise in his field - he let me know about a lender with a loan product that fit my qualifications. A few weeks later and I now am in my new home. It still feels surreal after going through so much to get to the finish line - and I owe it all to Scott. Thanks again for all your help Scott!

We came into Scott's office three years ago. At that time we did not qualify for a loan. He was encouraging and positive. He gave us sound advise which we followed and I am grateful for because the next time we walked into his office we were approved. Buying a house can be stressful. Scott was honest, totally on top of it, always available and efficient. When we had questions he answered them. When people weren't doing their job he called them. He always called us right back. Fantastic service and professional.

Scott is a seasoned, effective loan officer. He knows his business. He is a hard working, honest and forthright professional. Scott has guided us thru 2 home loan processes, both of which had their share of unique challenges due to our situations. In both cases he was able to find creative ways to accomplish our goals, where I believe a less experienced, less competent loan officer would have struggled to deliver.

This is a very important business transaction and you will want Scott on your side. He has a wide breadth of knowledge in this industry. If there is a way to get a loan Scott will find it, and on the best terms available. I highly recommend him.

Scott has been great to work. His knowledge in the mortgage loan business is as good as it gets. With his knowledge he has gotten me through two rather difficult deals. He is very accommodating and easy to work with. Thanks Scott

My fiancee and I began our search for a new home in the beginning of August 2017. Neither of us had ever purchased a home and we were very new to the experience to say the least. After trying to navigate various informational websites on our own, we made the decision to reach out to Scott at America's Home Loans. After reading his reviews, I called him to schedule an appointment. We met with him a few days later and left the meeting feeling far more confident about our prospects than we had been.

Our local credit union, with whom we have been members for many years, offered a very low loan amount and Scott was able to "crunch the numbers" and offered a substantially larger loan amount. Upon getting established with a realtor and finding the home we really wanted, Scott kept the process relatively painless. Of course, in buying a home, there are going to be bumps along the way, but our bumps were minimal. Scott worked closely with our realtor and kept us informed along the way.

If we ever had questions, he was able to answer them quickly and was very patient with us. We signed the documents for our home on 10/2/17, exactly 2 months after our first meeting with Scott. I was anticipating months of searching for a home, inspections, and mountains of paperwork. In our case, we found a home quickly, inspections went smoothly, and most of the interim paperwork was able to be signed electronically, with the exception of the final packet of documents.

In short, I recommend Scott Lawson with America's Home Loans for the following reasons: 1. He is informative and patient. 2. He responds quickly and will always keep you in the loop. 3. He is very friendly and approachable. 4. He is realistic and doesn't waste your time. My fiancee and I have already recommended Scott to family, friends, and colleagues. If you are looking for a mortgage, contact him, you won't regret it.

Scott has helped us with several loans in the last few years. He provided us with excellent service and competitive rates. We highly recommend him!

Scott Lawson's help was fundamental in purchasing our house. Scott, is very straightforward from the beginning to the end of the transaction. He's answers were clear, straight forward, and without any false expectations. He was available via email or phone to answer questions, and to resolve issues any time, even weekends. He's very knowledgeable, and was highly recommended by my coworker for a good reason. If you're looking for a hard-core realtor Scott is the one, and I highly recommend him!

A flawless experience. I never even had to leave my home and I got an interest rate on my home refinance I never dreamed possible. Courteous professional service and all promises kept. As a busy professional what can I say other than Scott really did all the work and made it easy for me! Five Stars!

Simply put, Scott Lawson is amazing. We gave him a total of 3 weeks to go from loan application to funded and closed home purchase because our original lender "flaked", and Scott made it happen. What I really like is that Scott knows his stuff. He knows what is needed for the loan and will work with you to make it happen. And, Scott is open, honest and let's us know exactly the real situation and facts.

I have never worked with a person before who is so responsive and available to answer my questions. I even called on Sunday evenings and Scott took the time to talk to me. Scott has a great rapport with the lenders and with the escrow/title company as well. I call him Mr Proactive, as he will analyze and anticipate and work with you beforehand. So, our entire process was less than 21 days. We had pressure from our sellers to accelerate the closing date by an entire week.

Guess what? Scott made that happen and then some. In fact we had to wait a day or two for the sellers to catch up. I highly recommend Scott and his team. He explains everything, yet magically makes it happen. We are now proud new homeowners! Thank You, Scott! I'm not sure what to say except that you are wasting your time, money and mental health if you go anywhere else. P.S. I work for a big bank which shall be nameless. Big banks take their time and introduce all kinds of crazy hoops. I went with Scott instead.

Scott has been our mortgage adviser since 2005. We trust him greatly. He has always been there for us. He has advised us through many stages in our financial life, good and bad. We consider him a friend now. No question is dumb and he definitely makes his customers feel valued. Any financial/mortgage question that comes up we automatically look at each other and say, "let's talk to Scott". Five stars +!

Before we found Scott Lawson, we were working with another broker who did not put any effort into helping us get a loan approval. My boyfriend I had no idea what we were doing because we were first time home buyers and very young. Scott jumped through countless hoops in order for us to get the approval on our loan to get our home and we are very grateful for him. He is very friendly and has good communication. He was willing to work around our busy work and school schedules and even met with us to sign the closing documents with a mobile notary. I definitely recommend him to any first time home buyers!