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  • Scott Sheldon
    • Scott Sheldon
      Senior Loan Officer
      NMLS ID# 287389
      Direct: 707 217-4000
      Scott.Sheldon@nafinc.com
      Specializing in Residential Home Loans for Primary Residences, Second Homes, Investment Properties, Single Family Homes, Condos, PUDs, 1-4 Units.

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Why your mortgage loan application might be delayed

December 7, 2020 by Scott Sheldon

Why your mortgage loan application might be delayed

With interest rates being at historical lows more and more people are applying for mortgages and nationally mortgage banks and lenders across the country are experiencing unprecedented amounts of volume, expect delays. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying a house, cash out refinance, FHA Loans, home loan refinance, how to buy sonoma county real estate, qualify for a mortgage, shopping mortgage rates, Sonoma County Mortgage Rates

What to know about refinancing with a second mortgage

December 2, 2020 by Scott Sheldon

If you're refinancing here's what you need to know about a second mortgage

Many people desiring to refinance are taking advantage of historically low-interest rates. One of the challenges when refinancing your house is when you have a second mortgage. Here is what you need … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, cash out refinance, mortgage comparison shopping, mortgage rate quote, refinancing, refinancing my mortgage, sonoma county refinancing

The 3 most common mortgage loan types

November 25, 2020 by Scott Sheldon

The 3 most common mortgage loan types

Picking the right mortgage loan type for your family is a big financial decision. Here are some things to consider about the three most popular types of mortgages and what the pros … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

The number one reason why you shouldn’t buy a home

November 19, 2020 by Scott Sheldon

The number one reason why you shouldn't buy a home

Buying a home is a balancing act between a mortgage payment in relation to present and future expenses. One of the biggest challenges people have when buying a house is being able … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, home loan refinance, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

How out of pocket costs relate to mortgage refinancing

November 13, 2020 by Scott Sheldon

How out of pocket costs relate to mortgage refinancing

With interest rates at historical lows, many families across the country would stand to benefit from turning in their high-cost mortgage in exchange for getting something far more affordable with today’s rates. … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, buying a home, buying your first home, Low Rates, qualifying for a mortgage, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

Risky income moves which may prevent you from getting a mortgage

November 6, 2020 by Scott Sheldon

Risky income moves prevent you from getting a mortgage

One of the challenges of getting mortgage loan financing these days is showing total and complete monthly income. Contrary to popular belief you must be able to support ability-to-repay (ATR) as a … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, home loan refinance, refinancing my mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How a homeowners association payment can change your borrowing power

October 30, 2020 by Scott Sheldon

how can HOA can change your mortgage borrowing power

A homeowners association payment can change your borrowing power. Here’s what you might want to think about when deciding to buy a home with a home owner’s association… A homeowners association payment … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

How to decide the right time to buy a home

October 22, 2020 by Scott Sheldon

How to decide the right time to buy a home

One of the challenges people have when deciding to purchase a house is trying to pinpoint the right time to make the move. Everyone is in a different stage of life and … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, cash you need to buy a home, how to buy sonoma county real estate, preapproval to buy a home, purchase real estate, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS

Here’s 3 types of pricier mortgages

October 15, 2020 by Scott Sheldon

3 types of pricier mortgages

When you’re in the market to get new mortgage loan financing it can seem like it’s an endless navigational process to figure out what loan amount, what interest rate, what program what … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, cash out refinance, home buying, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

Common reasons buyers give to not buy a home

October 8, 2020 by Scott Sheldon

buyers give to not buy a home

How can you determine what is the right house, the right area the right location, and the right house for you and your family? Here are tips to consider as you’re out … [Read More…]

Filed Under: Uncategorized Tagged With: preapproval to buy a home, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

Popular Posts

Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular

2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval

Why the purchase price in a real estate transaction should not be the single most important factor

Why the purchase price should not be the single most important factor

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to avoid getting a jumbo loan due to Coronavirus

Here are 2 mortgage process problems you will want to avoid

Filed Under: Credit Score Questions and Answers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to use seller carry financing to purchase a house with less cash down

Should you buy & build or buy a single family home?

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

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Zillow Reviews for Scott Sheldon, New American Funding

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SonomaCountyMortgages.com

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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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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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