AmhLoans.com American Home Loans - Santa Rosa, CA - Mortgage Lender
About AmhLoans.com
Mortgage Broker located in Santa Rosa, Ca lending throughout Sonoma County including Petaluma, Rohnert Park, Cotati, Windsor, Healdsburg, Sonoma... As true mortgage brokers, we have more home loan products to fit your individual needs compared to most of the competition. Whether it's VA, FHA, USDA, First Time Home buyers or loans for the credit challenged--we are here to help you.
American Home Loans - Santa Rosa, CA Home Loan Experts
Mortgage Broker located in Santa Rosa, Ca lending throughout Sonoma County including Petaluma, Rohnert Park, Cotati, Windsor, Healdsburg, Sonoma...
Real Estate Lender with the Lowest Rates and 0 Points throughout California. Fast and easy home loan approval, just call or click on the apply tab to the right.
Need an approval for a home mortgage loan fast, that you can trust? Complete our online application or give us a call. A quality home loan approval can be rendered in about 15 minutes. No application fee or charge for your credit report. Open weekends...Give us a call anytime...
Voicemail, email, endless text messages, phone calls not returned... Tired of the new normal? At American Home Loans, your loan officer will be with you from start to finish. We do not hand off our mortgage packages to an assistant and forget about you. When you call your agent, you will either get them on the phone or get a returned phone call quickly. Our agents are trained to handle the entire process--not just the sale. If you prefer a more personal touch with accountability, American Home Loans cannot be beat...
Lending in Santa Rosa, Ca since 2003, America's Home Loans has become recognized as California's leading home mortgage experts, our friendly home loan specialist will review your financial situation and conduct an extensive search to find the best loan program to meet your budget goals. Non-permanent resident aliens are permitted, providing they occupy the property as their primary residence, have a valid social security number AND are eligible to work in the US. Call for more details!
Exception Niche: Only two year wait period for borrowers who short sold a home!
American Home Loans requires that 2 years pass between close of escrow of borrower’s short sale and the date of new loan application (Refinance or Purchase). The guideline was recently changed to this shorter 2 year wait period and is valid for new loans up to 80% loan to value ratio. This loan profile is done on exception basis and borrower should have strong “re-established credit” and compensating factors.
Solutions for Self Employed Borrowers!
Qualifying self-employed borrowers doesn’t have to be painful! Below are just some of our Portfolio ARM niches that help out business owners…
We don’t require a minimum 2 years self employed. Rather we look at each borrower case-by-case and will consider less than 2 years self employment for exceptional clients.
We allow Business Assets to be used towards down payment and reserves! We allow your client to vest in their LLC, partnership, corporation or trust (even non-revocable trusts).
New Niche: Any Amortization Period from 8 to 30 years OK!
American Home Loans will allow all fixed rate mortgage to have a customized amortization period chosen by the borrower. For example, a borrower who has been paying 7 years on a 30 year fixed mortgage may prefer to refinance to a 23 year amortization (years remaining on old mortgage) on his/her new loan. American Home Loans can make the amortization term between 8 and 30 years, not to exceed the fixed term of the loan.
Solutions for Departing Residences
Is your borrower having trouble qualifying because they want to buy a new home but can’t qualify until their current home is sold?
Exclude Mortgage Payment if Selling*– if the house is listed for sale, then we will allow the borrower to exclude their existing mortgage payment and qualify on the subject property alone. However, they must have an additional 6 months reserves for the listed property.
No 30% Equity Rule if Renting*– per Agency guidelines you must have 30% equity in the existing home in order to use rental income to offset the mortgage payments. Our rule is you have to have some equity, but not necessarily 30%
Do you have bad credit or low credit scores from a bankruptcy, foreclosure or short sale? We have a home loan for you!! America's Home Loans will set you up with a plan, so you can own a home again. Perhaps sooner than you think...
As true mortgage brokers, we have more lending products to fit your individual needs compared to most of the competition. Whether it's VA, FHA, USDA, First Time Homebuyers or loans for the credit challenged--we are here to help you. Please visit the Department of Housing and Urban Development. by Edward Keech
Also, America's Home Loans charges no upfront application fees or any other "junk" broker home loan fees--ever! Visit us for at our Santa Rosa Office for a free evaluation of your home loan, today.
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