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Home Loans - Sonoma, Mendocino, and Lake County

Home Loans for Real Estate in Northern California

 RE/MAX Full Spectrum  works with many Northern California and Bay Area lending institutions, but strongly endorses 101 Home Loans as one of California's Top Lending Institutions.

We want your road to home ownership to be flawless and part of that is finding a lender that can find first-time buyer programs, reverse mortgages, home equity lines of credit (HELOCs), investment property loans, and creative home loan mortgage programs that feel comfortable, fit within your budget, lifestyle, and future financial goals. Today's lenders offer products that allow borrowers to buy property with a low (or no) down payment, build a house, exchange home equity for cash, and/or purchase rental housing. Our company, RE/MAX Full Spectrum, is focused on finding the perfect property for you and directing our clients to the best mortgage lenders in the industry.  Please consider 101 Home Loans and apply online with:


Ted Annestad

Ted 101 Home Lending Officer


Branch Manager/ Mortgage Advisor

NMLS# 1079143
Tel: (707) 477-0945 

Email: Ted@101homeloans.com
Fax: (707) 723-0345

As a Licensed Loan Officer, and a young professional, I am aware that buying a house, especially for the first time, can be an exciting and scary process. I am here to help coach you through the process to make it as easy as possible. I try to make myself available at all hours 7 days a week to fit my business into your schedule. 

 As a Mortgage Professional, I am knowledgeable about a wide range of different loan programs in order to serve your unique needs and financial goals. Whether you're making a first time purchase, a second home purchase or looking to refinance, I am happy to help you.


Amanda Hagar

Amanda, top Sonoma mortgage lender


Branch Manager / Mortgage Advisor

Reverse Mortgage Specialist

NMLS# 507193
Tel: (707) 483-5860 
Email: Amanda@101homeloans.com


I want to be your trusted local mortgage lender for life! I understand that in a world of ever changing lending criteria it’s important to work with someone who knows not only how to communicate and navigate the process but can also meet client expectations.

I am fortunate to call Sonoma County home. Two of the things I am most passionate about are the community I live in; and helping my clients achieve their goals. This includes using home ownership not only as a place to call home but also a way to realize retirement. My team and I specialize in home equity conversion mortgages (reverse mortgages) as well as traditional home lending products.

Helping seniors find solutions that allow them to retire, afford the day to day cost of health and living expenses while remaining in their home is an important endeavor. Especially with so many Americans at or approaching retirement age.

What sets my team and I apart?

We are a local direct lender with a great reputation with over 13 years of experience. Sonoma County is known for having that small town feel and wanting to keep it that way. At my local, independently run 101 Home Loans/ Pinnacle Capital Mortgage office we hold ourselves to that philosophy. We are fortunate to have earned the trust of our community, clients and referral partners.

Every member of my team is local and cares as much as I do about doing what is best for our clients. We use local processors, underwriters and appraisers. When you provide my team with your personal financial information it does not go to an unknown online cyberspace. In other words, you know exactly with whom you are working with from day one and whom you can reach out to 7 days a week for questions.

We will work around our client’s schedules with available evening and weekend appointments. We are available in person or via phone to answer all your lending questions.

Loan Products Available: At a glance

·         (Specializing in) Home Equity Conversion Mortgage (aka Reverse Mortgage)

Additional loan products provided by our local team

·         FHA

·         VA

·         Jumbo

·         Rehab loans

·         Conventional loans

·         Low down payment loan options

·         Investment property loans

·         First time homebuyer loans

·         Down payment assistance loans

·         HARP loans

·         Home Equity Line of Credit Loans

·         Self-employed loans

Thank you for considering RE/MAX Full Spectrum and 101 Home Loans as your real estate and home loan resource for buying and selling real estate in Northern California

RE/MAX Full Spectrum, Sonoma Real Estate




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