I would give more than 5 stars if I could! Scott Lawson is an incredible mortgage broker. As a first time home buyer, he made the process so seamless. I had absolutely no idea what the home buying process entailed, and Scott did an amazing job helping me through the entire thing and answering the dozens of questions I would call and ask him almost every day. He was extremely communicative and kept me in the loop which helped ease my nerves, and was always willing to explain everything in an easy way for me to understand. I would highly recommend working with Scott to anyone looking to purchase a home. It was an incredible experience and I feel so lucky to have had him to help through the whole process! read more

If anyone is looking for a straight killer in the feilds of home loans Scott is your guy! This man worked day and night for me. Met with me at my home at 8 o'clock at night twice. Worked around my schegual. He went to offices of poeple he needed my info from. This man is best described as a Robot working non-stop to get you your loan hitting all targets with precision and accuracy. Thank you for everything Scott read more

America's Home Loans - Mortgage Brokers Near Me - Santa Rosa, California

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Scott worked relentlessly to get us our loan and never gave up even when we had setbacks. He's funny, hard working, and always available to talk even when all I was doing was bugging him to see if he had an update. I'll miss my month long daily phone calls with Scott. And Scott, wish you all the best and looking forward to your call when it's time to refinance. Which is hopefully sooner rather than later. read more

Scott was completely knowledgeable and on it! He was always available for my questions and extremely helpful. Highly recommend

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! read more

As a realtor with over 16 years of experience, I KNOW how critical it is for my buyers to work with a lender who knows how to solve problems. Scott Lawson is just that man! I had a VA buyer in contract on a home and it quickly became apparent that the original lender hadn't done their homework (and had very little experience...) The result was that my buyers deposit was at risk one week into the transaction. And then we found Scott Lawson. To say he saved the day is an understatement. The loan my buyer was trying to obtain was unlike anything I'd ever seen. No money down on a purchase over $1.2M? Unheard of! Not only did Scott have a resource for this loan, but he stepped into the transaction nearly 10 days into our escrow period and closed the transaction with skill and expertise. Scott saved my client from losing his deposit AND we both have a happy client in his new home. Nicely done Scott! read more

I see positive reviews, and I don't know how all these other reviews are so positive, especially after the experience that we had. We were helping our mother with the home buying process. We gathered all of her personal finances, including several years of consistent taxes and everything else that Scott asked for. He seemed nice at first, which is why we went with him in the first place, but he kept forgetting about our scheduled appointments, and along with multiple no-shows would simply not return our calls. This happened over and over, for months, literally. The only way we talked to him was by my sister, myself and my mother all calling various times, waiting for him to eventually answer. We had to submit my mother's loan application twice through his site, which he originally said that he got the first time and gave us a quoted loan amount. But later he said he would never tell us that he received my mother's information because he had no record or memory of it. We showed him the email where he confirmed it, with his quote for an approved loan amount, and he did apologize for that. But he ended up asking us to submit all of the information again. And the second time around he quoted a vastly different loan amount, even though the information was exactly the same both times. My mother was in tears over it. Which he had no apologies for at that point. So finally we just helped our mother to go somewhere else. It breaks our hearts to leave a negative review about someone's business. But he really did let our family down, and showed no remorse for the hurt he caused us. read more

I called the company to ask a technical question about mortgages in general. Scott was professional and generous enough to answer my questions. Great customer service. read more

Scott is extremely helpful and knowledgeable. I had a poor experience with another broker and came to Scott for a refi. He answered right away and gave me excellent information. My original broker contacted me with an offer to eat costs due to his negligence, and Scott was willing to give me his honest opinion about taking the offer despite it costing him a closing. He is good at his job and has a lot of integrity and he's my guy the next time I need a loan. read more

When I have questions I come to AHL. Scott is one of the most knowledgeable people in the biz. He has no problem telling you everything you need to know in a very no-pressure kind of way. They are always finding new ways to improve their business, stay on top of the market and know exactly whats going on the the real estate business. Whether you are looking to refinance or purchase a new home, talk to these guys first! read more

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. read more

From My Perspective: My husband and I now own our first home together after a long and grueling search thanks to Scott! I personally have successfully purchased 2 homes now using Scott as our mortgage broker- first for my parent's home, and now for my home with my husband. My husband is a veteran and we struggled to find someone with experience in VA loans until we turned to Scott. I was so impressed with his immediate positive response and his confidence in getting this done for us in such a tough market. From My Husband's Perspective: My wife and I were grateful for his knowledge and experience with the nuances of a VA loan which was crucial to obtaining the funding. Scott kept the pace for our loan processing like an experienced veteran himself. Timely, detailed, and professional Scott was the perfect mortgage broker- I would recommend him going forward. read more

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. read more

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! read more

I have worked with Scott Lawson at America's Home Loans for one purchase and two refinances. America's Home Loans is a fantastic lender. I am a very painful customer to work with. I am very detail oriented. I audit every form that I have to sign very carefully before signing. I question everything. I hound the professionals that I work with (whether real estate professional or lender) to make sure that they are giving me the best possible service. Scott (my loan broker) not only accommodated me in every possible way, but he seemed genuinely happy that I was an informed consumer. I purchased my home as a second home under freddie mac guidelines with only 20% down. At the time, every boutique and institutional lender told me that I had to put 35% down, but Scott was able to find me a number of lenders that could do my loan and at a very competitive rate. Without his ability to find lenders, I would not have been able to purchase my home as I could not buy it as a primary home. When I was doing my refinance, I was wary of the credentials of the appraiser. Scott immediately contacted the bank and made them bring me someone that was more professional. My appraiser was top notch, and my home ended up appraising at a time when many homes in my area were not appraising favorably. Little details like making sure the appraiser is up to my liking is one of the many things that Scott is good at taking care of. Scott is also good at getting all the necessary documents up front just in case the lenders spring last minute loan conditions that need to be resolved in a timely manner. He thinks ahead and anticipates potential roadblocks very effectively. When lenders begin to slow down the underwriting process due to high volume or new guidelines, Scott knows to get a 45 day lock and to work especially fast in order to avoid having to rush at the end to get the deal done. This really helped keep us from being too stressed throughout the process. Scott has made refinancing as pain free as it could possibly be by working really hard behind the scenes. For both of my refinances, the products Scott was able to find were at least an 1/8 better than other lenders (boutique and institutional) give a fixed loan cost. When I asked Scott to help me finance an investment property, he told me that for those types of products, other lenders would be better in terms of price. Even though he would lose money, he felt that I could get a better deal elsewhere, so he let me know what my options were. What lender does that these days? Scott offers the best prices and the best service. I highly recommend America's Home Loans. read more

Have been working with Scott Lawson there for over 15 years,lots of specialized products for everyone from VA to FHA and awesome rates on qualified convention loans. One of the FHA products we use a lot is Lender paid closing costs including title and escrow which really helps people with limited down payments‼As a Realtor here in Sonoma County since 1987 (30 plus years) I'm very comfortable with Scott and his performance would highly recommend read more

If you are shopping for lenders and cannot decide who to go with, stop searching and call Scott. Scott helped me purchased my first starter-home (condo) in 2012 using an FHA loan. As a first time home buyer, it was a scary experience, but Scott's knowledge and constant communication throughout the loan process made the loan go as smoothly as possible. Flash forward six years, as of February 2018, I needed a conventional loan to purchase my forever home. We told Scott when we needed to close and he made it happen, with days to spare. All costs were communicated up front and the rate was competitive, if not better than other lenders. As a repeat customer, my experience with Scott has always been beyond outstanding. If you need a home loan (with a great rate) or need guidance on how or when the right time is to finance a house, I highly recommend a sit down with Scott. Scott is a no pressure no BS type of person, which is absolutely necessary when you decide to make a large purchase. Don't be afraid or embarrass to be upfront with Scott with all the details of your financial situation. Whether you have good or bad credit, he will work very hard to find a loan that fits your needs or give you guidance on what steps you need to take to get ready for a home purchase. He is extremely knowledgeable on the loan process and works very hard to take the "STRESS" out of financing a home. HIGHLY RECOMMENDED!! read more

Before looking to purchase a new home I met with Scott on the advice of a friend. I was impressed. He was honest, forthright, and direct. Once I found a home and an offer was accepted, Scott took over. He was absolutely on top of things, available on weekends and evenings. It was a refreshing change from dealing with a big bank, and the personable nature of the service he provided made what was a stressful time much, much easier. I cannot speak highly enough of Scott's service, and in the future I will be using his services again without question. read more

Thank you Scott Lawson!!! In 2012 I started to work on my credit to buy a home. 2008 job loss did a number on it, and everyone i talked to said I could not do a mortgage. After a year of working on my score, i got it above the FHA minimum. I applied with a couple of friends the are mortgage people and they told me i still could not get qualified. I found my way to Scott with a forum of all places. He told me I can be approved and buy a home. I completed the application and he was able to get me approved withing 48 hours. He told my wife and i to start house hunting. Scott put in a lot of hours, always promptly answered his phone and is clearly a hard worker. It is very difficult to find good people great at there job for anything and with an important purchase like a house, I was very happy Scott was working with me. The loan was being processed during gov shut down and it caused delays, my Real estate agent was worried about our contract deadline and offered little solutions. Scott got on the phone with the sellers and that same day we received the extension that we needed. Buying a home is a frustrating and difficult process, Scott was able to make it as easy as possible and literally do what no one else could do. Thanks again Scott and thanks for the good deal. read more

My wife and I had the pleasure of working with Scott Lawson over the past couple of months to purchase our first home. Scott was extremely helpful and made a confusing process as smooth as possible. I would recommend that anyone looking to finance their home contact him for a pleasant experience. read more

America's Home Loans - Mortgage Brokers Near Me - Santa Rosa, California

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. read more

As the Manging Partner of an award winning design firm I deal with Professionals from many walks of life. Without question Scott Lawson clearly stands above the mark of excellence. My particular refinace was complicated by the worst personal and global finacial disaters of a lifetime. There were several complicating factors which all worked against a sucessful refinace but Scott found a way to make it happen. He committed time, intelligence, and integrity to the process which would have fallen apart without him. I simply could not recommend a better agent than Scott Lawson. read more

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 +! read more

Ever get that dreaded call that your land lords are selling the property you have been living in for years, the place you call home? Well that happened to me. My first thought was "I don't want to move again!" so I thought I would ask if I could purchase it from them. They said yes! Woohoo right? Nope! I was turned down by 2-3 different lenders because of my credit. I was absolutely heart broken. While speaking to my father about the situation he told me to "call Scott Lawson RIGHT NOW!" and literally hung up on me. So I did, best advise my father has ever given to me! Right off the bat Scott was sure that he could help me and he put my mind at ease. He told me about what was wrong with my credit and how to fix it. I did exactly what he said, he did a rapid re-score on my credit, and within days, I said it DAYS, (just as he had promised me) I was pre-qualified for my first ever home loan. I was ecstatic, overwhelmed with emotions, but overall very optimistic! I knew that there were still things that could happen, reasons why I might not be funded, but Scott was right there the entire way. He answered every question I threw at him, my concerns, worries etc. I called him all of the time, multiple times a day (I was a complete stress case), and never did I feel like I was pestering him. He was always so friendly and very reassuring. Scott was very straightforward as well and didn't beat around the bush. I knew it was going to be a rocky road for me with the way my credit history was, but Scott is a miracle worker and I could not be more appreciative of his services and expertise. My loan just closed yesterday. I am absolutely certain that if it weren't for Scott Lawson, instead of owning my home, I would be packing a moving truck right now to rent from someone else. He is professional, committed and courteous and will be there with you every single step of the way. I would recommend him to anyone/everyone looking to purchase a home, refinance etc. Whatever your needs may be, Scott is your man. Even if you have been told no to a home loan in the past, don't give up just yet. As a wise man once told me, and now I will pass it on to you, "call Scott Lawson RIGHT NOW!", you won't be let down! read more

Just got done w/ my meeting w/ Scott Lawson and let me tell you, this guy knows what he's talking about! He has made me very optimistic in owning a home sooner than later! I look forward to working w/ Scott in the near future :) read more

Scott was great. We were first time home buyers and came in basically blind. He came recommended by a friend and we could not have been happier. Highly recommend! read more

I recently went through a re-fi with Scott. Scott was both professional, well-prepared and extremely helpful in getting this re-fi through. But for me, Scott went above and beyond as he's been extremely informative in other matters - like what it would look like when and if I move to another home - outlining several ways we could go; and giving some very insightful advice about both long-term timing and what to be aware of in different home markets. Scott answered many questions that we had - getting back to us by either email or phone always within a couple of hours. He explains things clearly and is very good at giving the big picture as well. It's great to work with someone who understands how important good service is. read more

I used Scott for my refinance and everything went smoothly! Great person to work with and very helpful!

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!!! read more

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++++! read more

Scott Lawson is one of the best in the business. I am a CPA and work with approx. 400 clients and will not hesitate to refer them to Scott. Scott has all the qualities that make it very easy for me to reccomend him. Scott is honest, efficient, knowledgeable, diligent, and professional. You would be doing yourself a disservice if you used anybody else. read more

Scott is amazing...if you are shopping for the most competent broker, immediately STOP looking and call Scott...He's hand's down the BEST...he is extremely professional and knowledgeable regarding the complicated mortgage industry...he was able to translate all aspects of our mortgage into terms we could understand...also, he was COMPLETELY accessible during all phases of the most important transaction of our lifetime...one time he answered my call before the phone even started ringing on my end...even it was a simple question, i felt Scott was always available and answered my questions in a way that made me feel confident i understood what was being said...he got us an interest rate that made my entire family jealous because it was better than theirs and helped us to improve our credit scores in a way no else could...the proof is in the pudding because 2 years later, we are refinancing with Scott because he is getting us an even BETTER rate...if you need a broker, you'd be foolish to go with anyone else in Sonoma County... read more

Scott Lawson definitely merits his high ratings. I wanted a "simple" loan which proved to be more difficult due to the ongoing fires in Sonoma and Napa counties and some other special circumstances. Scott did all the legwork and simplified the process. I have nothing but praise for his services. I'm gladly recommending him to others. read more

Scott was referred to my fiance by one of his coworkers. Scott got them the mortgage for their new home, and he did the same for us. We had a very short escrow (21 days), and Scott pushed hard to get everything done as fast as possible. He took the time to answer our questions, but made sure to stay focused on the end result: funding to buy our home! No fault to Scott, the appraisal review took a few days longer than anticipated, and we were forced to go a few days beyond our expected closing date. Scott took the repeated calls from the seller in stride. Thankfully, we were able to close in 26 days... just in time for my future in-laws to arrive for a visit! We look forward to working with Scott again in the Summer to update our mortgage after our marriage. read more

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! read more

Thank goodness that our real estate agent referred us to Scott Lawson at America's Home Loans!! Scott Lawson is an absolute pleasure to work with. He's knowledgeable, enthusiastic, and dedicated to getting great results and having happy clients! We can't begin to tell you how many times Scott went to bat for us, working thru the weekends, and having our loan not only pre-approved, but also fully underwritten on more than one occasion so that our offer would always come in being the best and strongest that it possibly could be. When it came to the bottom line dollar amount, including fees and interest rate, we would bet that no one could beat Scott! He exceeded our expectations on every level! As first time home buyers, the process was, at times, overwhelming to say the least. But through it all, Scott was the voice of integrity, professionalism and organization. We were simply amazed at how effortlessly Scott kept all the different people on track and kept things moving right along. Scott was very responsive to our many questions and made sure that we understood exactly how the loan process works. All along the way, through every step and various stages of the process Scott kept us updated and informed, and always had our best interest at heart! To say that Scott went above and beyond for us is an understatement and we would not be in our dream home today without his wonderful help. We will highly recommend Scott Lawson to all of our friends and relatives! read more

We are very fortunate to have work with Scott Lawson. He made everything work even we thought that it wasn't. Scott will always jump through loops for you! He is awesome! Would recommend him every time. Scott is the BEST in the business. You will never find a broker like him. read more

Scott Lawson came recommended by two coworkers who had each done a purchase (and one had done a refinance) with him. We were working with a *very* difficult seller (flippers and their agent) who wanted everything 'done yesterday' during the process. Scott worked through the difficulties and didn't let these bully sellers push us around. Throughout the whole process, Scott was in constant contact with me and explaining the entire process along the way. Most importantly, I was always able to put my full confidence in him knowing that he was *always* protecting my financial interest during the whole process. We closed on time and there were no last minute changes or surprises! read more

I found Scott on yelp because I wanted to work with someone local. But I ended up going with redwood credit union. They were nice but unresponsive to questions and e-mails. Finaly I got frustrated and backed out of that re-finance and started working with Scott. It was a great experiance. Not only was he knowlegable on the process but also if I had a question he would get back to me shortly. He made a complicated and confusing process easier. Thanks Scott great work and I strongly recomend you to anyone with a home loan issue. read more

I will be calling on Scott Lawson for my mortgage needs from now on. Our initial loan originator failed to close our re-finance loan, despite constant reassurances that it would close. I was then interested in working with a local professional, and it was our good fortune to find Scott and America's Home Loans. Throughout the entire application and verification process (our loan required an extensive manual underwrite, which many lender shy away from), Scott was courteous, timely, and efficient. He never made any unqualified predictions and kept a conservative perspective on things, making sure we were prepared for anything. He produced an accurate and advantageous application package which satisfied the manual underwrite conditions and the loan just closed without a hitch. Incidentally, he also saved us 1% over initial loan originator's best offer. I could go on and on, but you get the picture; Scott Lawson and America's Home Loans should be your first and only call for a mortgage or re-fi! Thanks, Scott! read more