Scott Lawson, Mortgage Broker FHA, VA, refinance or purchase (America's Home loans  - Santa Rosa, Petaluma Mortgage Broker)
BRE 01895185 NMLS 312312

131A Stony Circle

Suite 500

Santa Rosa , Ca 95401

Mortgage broker with offices in both Santa Rosa and Petaluma. I offer the most personlized service in the industry by handling the entire process myself--nothing gets handed off to an assistant.

Get to know Scott Lawson

Mortgage broker with locations in Santa Rosa, and Petaluma Ca., serving all of Sonoma county.

Need an approval for a mortgage fast that you can trust? Complete my online application or give us a call. A home loan approval can be rendered in as little as 10 minutes. No application fee or charge for your credit report—and no added broker fees—ever!

• FHA and VA to 580 credit score
• Bank statement programs for the self employed
• First-time home buyer programs available
• Manufactured home loans

Voicemail, email, endless text messages, phone calls not returned... Tired of the new normal? At America's Home Loans, I will be with you from start to finish. I do not hand off our mortgage packages to an assistant and forget about you. When you call me, you will either get me on the phone or get a returned phone call quickly. I am skilled to handle the entire process--not just the sale.

If you prefer a more personal touch with accountability, look no further than America's Home Loans.

Scott Lawson's Blog Posts


As mortgage brokers, we have more products to fit your individual needs than most of the competition. Whether it's VA, FHA, USDA or loans for the credit challenged--we are here to help you.


My current awards are...   


Credit rehabilitation

FHA and VA loan expert


Testimonials for Scott Lawson

  • Kim A

    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.

  • Patrick B

    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.

  • Chris T

    We spoke with several loan brokers about using a VA loan for a large land purchase but were always told no we can't before we found Scott Lawson who told us yes we certainly can. We are impressed with Scott's knowledge and energy in obtaining a VA loan for a difficult property. His advice was very helpful as we overcame the hurdles required for funding in a timely manner. We received a great loan with a very good rate and low fees.

    I highly recommend America's Home Loans for purchasing property with a VA loan.


  • Chris K

    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.

  • Ken and Kelly W

    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!

  • Kayla C

    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!

  • Dan F

    I'm the Account Executive at Parkside Lending LLC. that works with Loan Officer Scott Lawson on his conventional Fannie Mae loans.

    If I was a borrower I'd take my business to Scott because he is very thorough and detail minded, which is key to our increasingly complex industry. Many Loan officers stumble over complex situation and delay their borrowers' files, but Scott and his team are on top of every detail that matters for funding the loan. Scott is also well versed at communicating with the lender staff and myself to clarify loan condition etc to expedite a file or situation.

    I've been in the wholesale side of the mtg industry as a sales rep for wholesale lenders for over a decade and I can confirm that Scott's skill are unique and effective at getting your loan closed in the complex world of residential lending. Scott and I have funded millions of dollars of loans and satisfied his growing set of borrowers on each transaction.

    Parkside Lending LLC is a great local lender, based in San Francisco with a sharp and exclusive focus on residential loans. Bring your business to Scott and he and I will take great care of you.

    Kind Regards,
    Dan Fahres
    Senior Account Exec.
    Parkside Lending LLC

  • Brian C

    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.

  • Stephanie G

    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 +!

  • Dan M

    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.

    Service Areas (4)
    • Santa Rosa, CA
    • Sonoma County, CA
    • San Francisco County, CA
    • Petaluma, CA
    • Marin County, CA
    Specialties (8)
    • Buyers
    • Condos/Townhomes
    • Investment Properties
    • New Construction
    • Residential
    • Vacation/Resort Properties
    • Other...   
    • Other...   
    Languages (1)
    • English