#YourLenderForLife
Trusted
We provide trustworthy advice backed by over 25 years of combined experience.
Relationships
We value our relationships with each of our clients. And strive to be Your Lender For Life.
Local Team
Rooted in the heart of Sonoma County. We have an intimate understanding of the local market.
101 Home Loans - Your Lender For Life
101 Home Loans – A Top Rated Mortgage Lender In Sonoma County.
Our team at 101 Home Loans stands apart from the competition in that we recognize that issuing home loans is about much more than issuing money. We understand that we play a crucial role in helping residents of Sonoma County and the surrounding areas achieve their dreams of homeownership. We do not approach this role lightly. Each mortgage advisor on our team has extensive experience and knowledge, and they use each to guide prospective clients toward the best products for their wants, needs and budgets.
When you work with 101 Home Loans, you get more than just a mortgage lender in Sonoma County — you get a partner on your home loan journey. Our team knows that there is no such thing as a one-size-fits-all approach to the mortgage process. We personalize every aspect of the journey, advise you every step of the way and, ultimately, strive to make the experience the best it can be and become - Your Lender For Life.
Our Process Puts You in Control.
It starts with your goals. Our personal approach to home loans allows us to truly understand what's best for you and your individual situation. Our convenient online process captures all of the information we need to make a loan recommendation that achieves your purchase or refinance goals.
1. Schedule Call
Funding your dream home starts with a simple phone call. Speak with a mortgage advisor today to discuss your goals and what the process looks like your individual situation.
2. Develop Plan
We will work with you to develop a plan designed around your unique situation to accomplish your home buying or refinance goals with ease.
3. Apply & Verify
With a plan in place, you can confidently apply for a loan using our intuitive online app. Our online application tool makes gathering all the required documents a breeze.
4. Fund Your Mortgage
When approved, our team will work diligently with the banks to fund your mortgage quickly so you can get into your dream home.
Finding The Right Loan
We Offer A Number of Mortgage
Solutions.
At 101 Home Loans, we understand that there is no one-size-fits-all approach to home loans. We cater to borrowers across a variety of circumstances and from all walks of life, and offer everything from FHA loans to JUMBO loans.
Fixed Rate Mortgages
Lock in a low-interest rate and enjoy peace of mind that what you pay now will be what you pay over the life of your loan.
Adjustable Rate Mortgages
Enjoy the flexibility that comes with an adjustable-rate mortgage — and the huge savings that occur when market rates are low.
Jumbo Loans
Whether you want to upgrade your current home, invest in a larger-than-life home or purchase a second home, a jumbo loan may be the solution you need.
HELOC
Use the equity in your home to gain access to cash quickly and with very little risk on your part.
VA Loans
Enjoy low-interest rates, a $0 down payment and lenient requirements as a thank you for your military service.
Conventional Loans
Gain access to more purchase power and some of the best rates on the market with a conventional home loan.
Reverse Mortgage
Turn a portion of your home’s equity into tax-free money to use as you please with a reverse mortgage.
Cash-Out Refinance
Cash-out on the equity in your home to get the funds you need for home improvements, pay down debt and more.
FHA Loans
If you have a low credit score or a minimal down payment, consider using a low-risk, government-backed FHA loan.
We Are Proud of Our Purpose.
Though we are in the business of issuing home loans to aspiring residents in and around Sonoma County, we believe our purpose is much greater than that. Each mortgage advisor on our team is committed to helping individuals, couples and families move onto the next stages of their lives by guiding them toward affordable, risk-free and smart mortgage products. Our ultimate goal is to help hopeful homeowners navigate the home loan process and make the journey as enjoyable as possible.
25+
Years of Experience
$1B+
Years Top Producing Mortgage Branch
5
Years Top Producing Mortgage Branch
10K+
Families Achieved Home Ownership
5 Years Top Producing Mortgage Branch
What Are Our Clients Say.
#YourLenderForLife
Copyright © 2022 101Home Loans is a division of Luminate Home Loans, Inc NMLS # 150953 For licensing information, go to: www.nmlsconsumeraccess.org | www.goluminate.com| Please review our Disclosures & Licensing information. | Luminate Home Loans, Inc. is a wholly-owned subsidiary of Luminate Bank. Equal Housing Lender. For further information about Luminate Home Loans, Inc., please visit our website at www.goluminate.com | Luminate Home Loans, Inc. NMLS#150953. Corporate Headquarters 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. For licensing information, go to: www.nmlsconsumeraccess.org This advertisement does not constitute a loan approval or loan commitment. Loan approval and/or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. Do Not Sell My Personal Information
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