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  • We Will Help You Qualify For Your First Home Loan...

  • Refinance Into a Low Fixed Rate...

  • Safely Draw Equity From Your Home With a Reverse Mortgage...

  • Whatever your funding needs. We can help. Get Started.

    Apply Online Today...

Welcome to Redwood Empire Home Loans

We are local Mortgage Brokers located in Santa Rosa, California, proudly providing home loans to existing home owners and pre-qualification for first time home buyers and buyers who already own property to the communities of Petaluma, Santa Rosa, Rohnert Park, Cotati, Windsor, Novato, San Rafael and Sonoma. Redwood Empire Home Loans custom “House Call” service travels as far north as Healdsburg, and as far south as San Jose. If you want a face to face meeting with your home loan provider---just call us! We enjoy meeting our clients, in person, to discuss the home buying or re-financing process. We represent a wide range of "A" rated lenders with first quality rates, to “Private Lenders” that specialize in funding loans that have been “turned down elsewhere”. We use a "common sense" approach to obtain the best loan possible for your individual need.

Need a Pre-Approval, or Full Loan Approval (much better), to get into Contract? Just complete our secure online application or give us a call. A quality home loan pre-approval can be rendered in about 20 minutes. No application fee or charge for your credit report! First Time Home Buyer's Welcome!

Home loans from another time zone? Voicemail and emails not returned? That does not happen at Redwood Empire Home Loans. Your loan officer works with you during the entire loan process; from filling out the application, to signing the loan documents. You will not be passed on to a loan processer or assistant. Your State and Federally licensed and regulated loan officer will personally handle your loan from start to finish. When you call your agent they will answer the phone, or call you back quickly.

Refinancing to lower your monthly payments? Interest rates are at historically low levels not seen since the 1930’s. Take advantage of our free “Home Loan Comparison” program! Just give us a call to compare your current home loan with home loan programs and rates that are available today! We work with dozens of investors, which allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial loans.

Purchasing a home? Need a good Real Estate Agent? Purchasing a home is probably one of the biggest investments you will ever make in your lifetime. The local housing market is extremely competitive. We are with you every step of the way. Working with a dedicated Real Estate Agent is critical in this market. One of the benefits of being a local lender, is that we work with many local Real Estate Agents. If you need a Real Estate Agent, we can refer you to agents that we have worked with, and trust; and that will find the home that is right for you, and most importantly---get your offer accepted!

First Time Home Buyer…what a fantastic time to buy your first home! Home price are the lowest they have been in decades. Interest rates are historically low…and we have some unbelievably great first time home buyer loan programs! We offer home loans with as little as 3% down! Give us a call or fill out our secure online application to see how you qualify---there is no better time than the present!

Calculate Monthly Payment*

term rate apr payment
30 Yr Fxd 3.625% 3.862%
15 Yr Fxd 2.875% 3.289%
5 Yr ARM 2.99% 3.632%
Loan Amount calculate
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Latest News

Asia shares wobble as oil slip dampens sentiment, dollar stalls

Man looks at a stock quotation board outside a brokerage in TokyoAsian stocks were on a weak footing on Wednesday as a slip in crude oil prices dampened investors' appetite for riskier assets, while the recently bullish dollar stalled against the euro and yen following a mixed bag of U.S. economic data. Shanghai see-sawed in and out of negative terrain, and was last up 0.1 percent, after rallying hard the previous day on expectations MSCI could add China's mainland stocks to its emerging market benchmark for the first time. There was little market reaction to the official and private surveys on China's manufacturing activity, which were roughly in line with expectations, underlining doubts that the world's second-largest economy is picking up.


"I was worried that I wouldn't be able to qualify for a loan. I spoke with Bill and they told me to apply on their site. The next day they not only qualified me but had me locked into a great rate."

Larry Benson Santa Rosa