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Today’s Latest Mortgage News

interest rate to refinance my mortgage

What’s the magic interest rate to refinance your mortgage?

February 5, 2023 By Scott Sheldon

For consumers who purchased their homes or took out any kind of residential mortgage loan in 2022 the future prospect of refinancing can seem very attractive. Here are some things you might … [Read More...] about What’s the magic interest rate to refinance your mortgage?

Why an FHA Mortgage is by far the best out of the box loan option to buy a house

Why an FHA Mortgage is by far the best out of the box loan option to buy a house

January 29, 2023 By Scott Sheldon

FHA loans which are loans ensured by the federal housing administration oftentimes have gotten a bad rap, for the costs associated with them as well as the types of properties that will be … [Read More...] about Why an FHA Mortgage is by far the best out of the box loan option to buy a house

how DSCR Loan work to buy rental homes

Why you might want to consider a DSCR loan to buy a rental property

January 22, 2023 By Scott Sheldon

What is a DSCR loan and how can this type of financing help you purchase a rental property portfolio? In Q3 2022, the DSCR loan emerged as a viable option for investors looking to buy a … [Read More...] about Why you might want to consider a DSCR loan to buy a rental property

what is seller carry financing to buy a honme

How does seller carry financing work to buy a home?

January 15, 2023 By Scott Sheldon

What is seller carry financing and how does it work to buy a primary home? As we enter the 2023 real estate market, creativity is the name of the game as long as interest rates remain above … [Read More...] about How does seller carry financing work to buy a home?

4 proven ways real estate wealth

4 proven ways real estate will make your wealthier

January 8, 2023 By Scott Sheldon

If you're thinking about buying a home, good, it's a sound financial decision and it's the bedrock by which most Americans in America have created wealth for themselves and their families. … [Read More...] about 4 proven ways real estate will make your wealthier

self employed mortgage tough

Are you self-employed and having a tough time getting a mortgage?

January 1, 2023 By Scott Sheldon

Are you self-employed and having a tough time getting a mortgage? Here's what you need to know... When it comes to being self-employed one of the biggest challenges that you're going to … [Read More...] about Are you self-employed and having a tough time getting a mortgage?

what to do when you are told you cannot qualify for a mortgage

What to do when you’re told you can’t qualify for a mortgage

December 25, 2022 By Scott Sheldon

If you're trying to purchase or refinance a home and you've been turned down, read on. Perhaps your income is not up to par, or your credit score is not up to par or there's some sort of … [Read More...] about What to do when you’re told you can’t qualify for a mortgage

how to get an fha mortgage on condo

How to get an FHA Mortgage on a non Hud Approved condo

December 18, 2022 By Scott Sheldon

For would-be borrowers looking to purchase or refinance a condominium unit and looking for government financing such as a VA loan or an FHA loan, you might come to find getting such a … [Read More...] about How to get an FHA Mortgage on a non Hud Approved condo

How assumable mortgage loans work

How assumable mortgage loans work

December 11, 2022 By Scott Sheldon

If you've been thinking about buying a home and have been discouraged about interest rates you might be able to assume the seller’s mortgage. Think it's too good to be true? It's not. Here's … [Read More...] about How assumable mortgage loans work

How to avoid getting a jumbo loan due to Coronavirus

New Mortgage Loan Limits for 2023

December 4, 2022 By Scott Sheldon

The Federal Housing Finance Agency announced on Tuesday, November 29th the new loan limits for 2023. The new conforming loan limit has increased and has been year over year 7 years in a row. … [Read More...] about New Mortgage Loan Limits for 2023

How 2-1 and 3-2-1 Buydown works when buying a home

How to buy a home 2-1 and 3-2-1 Buydown Program

November 27, 2022 By Scott Sheldon

If you're thinking about purchasing a home and you're worried about the mortgage payment. Fear not, some, but not all mortgage companies might offer a buy-down program allowing you to get a … [Read More...] about How to buy a home 2-1 and 3-2-1 Buydown Program

how a recession could impact your home buying

How a future recession may impact your plan to buy a home

November 20, 2022 By Scott Sheldon

If you’ve been thinking about purchasing a home and you’ve been on the fence because of economic conditions. The following information could assist you in helping to determine when and/or if … [Read More...] about How a future recession may impact your plan to buy a home

purchase or rate to buy a home

Is the mortgage rate or the purchase price you pay for a home more important?

November 13, 2022 By Scott Sheldon

If you’ve been thinking about purchasing a home and you’ve been on the fence because you’re just not sure about the right time, the information that’s going to follow is for you... Trying … [Read More...] about Is the mortgage rate or the purchase price you pay for a home more important?

Why are current mortgage rates so high?

Why are current mortgage rates so high?

November 6, 2022 By Scott Sheldon

People who are thinking about getting a mortgage to buy or refinance a home are having shell shock relating to the costs associated with doing a mortgage transaction. It’s not as simple as … [Read More...] about Why are current mortgage rates so high?

5 reasons you're not ready to buy a home

5 reasons you’re not ready to buy a home

October 30, 2022 By Scott Sheldon

Buying a home is considered to be the American dream. Buying a home however is also not for everyone as it requires careful consideration of planning, a little bit of success, and the right … [Read More...] about 5 reasons you’re not ready to buy a home

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
2455 Bennett Valley Road C107
Santa Rosa, CA 95405
1-707-217-4000
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Corporate Office 14511 Myford Road, Suite 100, Tustin, CA 92780. We at New American Funding take great pride in our customer service and make it our number one priority. We encourage you to contact us for complaint resolution or any post-closing questions you may have regarding the servicing of your loan. We strive to have your experience with New American Funding a stellar one. In the rare case that our service did not meet your expectations, please call our customer care hotline at 1-800- 450-2010, ext. 7100 or you may contact us by email customerservice@nafinc.com. Please leave a detailed message and we will follow up with you no later than the end of the next business day. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-450-2010 Ext. 7100 for assistance.

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