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Today’s Latest Mortgage News

fha rule mortgage loan

This FHA lender rule could be problematic for your mortgage

March 26, 2023 By Scott Sheldon

If you're applying for a residential mortgage loan and you're looking at an FHA loan to purchase or refinance a home this lender requirement could be problematic for you as it relates to … [Read More...] about This FHA lender rule could be problematic for your mortgage

Why Silicon Valley Bank failed and why it's good news for mortgage rates going forward

Why Silicon Valley Bank failed and why it’s good news for mortgage rates going forward

March 19, 2023 By Scott Sheldon

The recent failure of Silicon Valley Bank points to a broader issue that banks particularly depository institutions face as relates to their financial stability. Here is how this benefits … [Read More...] about Why Silicon Valley Bank failed and why it’s good news for mortgage rates going forward

locking mortgage rate with discount points

Should I pay discount points when locking my interest rate?

March 12, 2023 By Scott Sheldon

For those looking to purchase to refinance a home, there might be some shellshock as it relates to costs associated with getting a home loan these days. It’s no surprise we are still in an … [Read More...] about Should I pay discount points when locking my interest rate?

FHA Mortgage Insurance Premiums reduced by 30 basis points-what this means for consumers

March 5, 2023 By Scott Sheldon

For folks looking to purchase or refinance a home with the FHA Loan, the Federal Housing Administration has just announced a reduction to their private mortgage insurance premiums by 30 … [Read More...] about FHA Mortgage Insurance Premiums reduced by 30 basis points-what this means for consumers

5 ways ypu will not get a home loan

5 ways you will not get a home loan to buy a home

February 26, 2023 By Scott Sheldon

Most people given a choice would desire to purchase a home, arguably, given their financial situation, and their ability to handle a monthly housing payment. Oddly enough, there are times … [Read More...] about 5 ways you will not get a home loan to buy a home

What’s the lowest credit score to get a home loan?

What’s the lowest credit score to get a home loan?

February 23, 2023 By Scott Sheldon

There is a significant amount of inaccurate information online and in the real estate community about the credit score needed to get a home loan to purchase or refinance a home. Talk to one … [Read More...] about What’s the lowest credit score to get a home loan?

is a down payment assistance loan a good idea?

Is a down payment assistance loan to buy a home a good idea?

February 12, 2023 By Scott Sheldon

For those looking to purchase real estate particularly first-time home buyers, the notion of a down payment assistance loan where you need very little or no money to close escrow could be a … [Read More...] about Is a down payment assistance loan to buy a home a good idea?

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

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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