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Today’s Latest Mortgage News

How to turn a pre-approved buyer into a cash buyer

How to turn a pre-approved buyer into a cash buyer

May 9, 2022 By Scott Sheldon

As the real estate market continues to become increasingly competitive, you might find yourself making offers on homes above asking price. Possibly even waiving contingencies on the advice … [Read More...] about How to turn a pre-approved buyer into a cash buyer

Five guaranteed ways to improve your home purchasing power

Five guaranteed ways to improve your home purchasing power

May 2, 2022 By Scott Sheldon

It is no surprise that interest rates are on the rise. As interest rates rise home spending power i.e., buying power diminishes. If the same loan amount and the same purchase price now costs … [Read More...] about Five guaranteed ways to improve your home purchasing power

What the Federal Reserve rate increase means

What the Federal Reserve rate increase means

April 24, 2022 By Scott Sheldon

The Federal Reserve increased the Fed funds rate 25 points in an effort to slow down the highest inflation seen in 30 years. As a result, here's what this means for interest rates, credit … [Read More...] about What the Federal Reserve rate increase means

The best way to cash out refinance your home

The best way to cash out refinance your home

April 17, 2022 By Scott Sheldon

Consumers are no stranger to the present economic times we are living in right now as everything is rising, and inflation is rampant virtually everywhere. Gas prices, stock prices, housing … [Read More...] about The best way to cash out refinance your home

Why not all first time homebuyer programs are created equal

Why not all first time homebuyer programs are created equal

April 10, 2022 By Scott Sheldon

If you are just starting off in life and trying to get your footprint in the real estate climate; the information in this post is for you. Everyone must start somewhere and buy that first … [Read More...] about Why not all first time homebuyer programs are created equal

Should you refinance into a higher rate mortgage?

Should you refinance into a higher rate mortgage?

April 3, 2022 By Scott Sheldon

It is no surprise inflation is upon us, and interest rates are feeling the rising cost of goods and services. Everything seems like it is going up in price. Mortgage rates are no exception. … [Read More...] about Should you refinance into a higher rate mortgage?

How to position your mortgage pre-approval against rising rates

Position your pre-approval against rising rates

March 27, 2022 By Scott Sheldon

The inflationary environment that we are in, coupled with the supply chain, rising prices of food and energy, all has contributed to higher costs for about every economic resource. Interest … [Read More...] about Position your pre-approval against rising rates

Does the Federal Reserve make mortgage rates go up or down?

Does the Federal Reserve make mortgage rates go up or down?

March 20, 2022 By Scott Sheldon

It's no secret, unless you've been living under a rock, that the Federal Reserve almost for certain is going to raise interest rates in March of 2022. The question then becomes if the Fed … [Read More...] about Does the Federal Reserve make mortgage rates go up or down?

Should you refinance during rising rates?

Should you refinance during rising rates?

March 14, 2022 By Scott Sheldon

If you're thinking about refinancing your house and you've been on the fence; now would be a good time to start that application. Interest rates are all relative so it's important to … [Read More...] about Should you refinance during rising rates?

Should you refinance with your current mortgage servicer?

Should you refinance your current mortgage?

March 6, 2022 By Scott Sheldon

People looking to refinance their homes are always looking for a good deal. It goes without saying you'll want to do the best you can for yourself financially. Get the best combination of … [Read More...] about Should you refinance your current mortgage?

How your ex can make your mortgage application difficult

Your ex can make your mortgage application difficult

February 27, 2022 By Scott Sheldon

You're trying to purchase or refinance a home. You have an ex that you're dealing with that you were either married to or on title to a property with. The mortgage process depends on what … [Read More...] about Your ex can make your mortgage application difficult

Does it make sense to buy a piece of land and put a home on it?

Buying a piece of land and put a home on it

February 20, 2022 By Scott Sheldon

People are always trying to find additional ways to reduce their cost when buying a home. Maybe that means buying a lower price point or changing to a condominium instead of a single-family … [Read More...] about Buying a piece of land and put a home on it

What type of mortgage lender are you looking for?

What type of mortgage lender are you looking for?

February 13, 2022 By Scott Sheldon

Not all mortgage companies are the same. What type of a lender or mortgage professional you work with can make the difference between you being successful in your home buying endeavor or … [Read More...] about What type of mortgage lender are you looking for?

How your credit cards shape your ability to get a mortgage

How your credit cards shape your ability to get a mortgage

February 6, 2022 By Scott Sheldon

Maintaining a personal budget and having a good financial plan associated with your income is a good 1st step in preparing yourself to get mortgage loan financing. Whether you are buying a … [Read More...] about How your credit cards shape your ability to get a mortgage

When the fed hikes interest rates, what happens to mortgage rates?

Federal reserve hikes interest rates

January 30, 2022 By Scott Sheldon

Probably the biggest misnomer in mortgage finance, is what consumers interest rates do when the Federal Reserve hikes interest rates up. The Federal Reserve is trying to control and … [Read More...] about Federal reserve hikes interest rates

Read More Mortgage News & Tips

Scott Sheldon has been featured on

List of Press Outlets Scott Sheldon has been featured in, including CNN Money, ABC News, and More
  • Save For A Down Payment Or Buy A Home Now?-USA Today
  • Ways To Reduce Debt Before Buying A Home- Mashable
  • How Much Cash You Really Need To Buy A Home Yahoo! Finance
  • A 15 Yr Mortgage Can Save You $190,000...But Can You Get One? Yahoo! Finance
  • 2 Strategies For Buying A Home When You're In Debt- Yahoo! Finance
  • 6 Fees To Look Out For When Buying A Home- Yahoo! Finance
  • How To Get Your Finances In Order Before You Buy A Home- ABC News
  • Mortgage Rates Stay Low As Home Buying Heats Up- Bankrate
  • How Long Does It Take To Get Approved For A Mortgage?- CBS News
  • Could Maternity Leave Keep You From Buying A Home? Fox Business
  • See All Press ▶

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Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
1450 Neotomas Ave Suite 115
Santa Rosa, CA 95405
1-707-217-4000
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