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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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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

The catch with today’s low-interest-rate environment

October 2, 2020 by Scott Sheldon

The catch with today's low-interest-rate environment

If you’re getting a mortgage or thinking about getting any type of mortgage loan financing and you’re looking at interest rates for 30-year mortgages in the mid to s for example here’s … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, buying your first home, cash out refinance, preapproval to buy a home, Santa Rosa mortgages, Sonoma County Mortgage Rates, sonoma county refinancing

Can you get a mortgage if your loan is in forbearance?

September 23, 2020 by Scott Sheldon

Can you get a mortgage if your loan is in forbearance?

One of the challenges of securing mortgage financing during this COVID-19 environment is forbearance. The pandemic has created some rather unprecedented and unique situations for people desiring to borrow money. If your … [Read More…]

Filed Under: Uncategorized Tagged With: qualifying for a mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Can you get a mortgage if you are furloughed?

September 16, 2020 by Scott Sheldon

Can you get a mortgage if you are furloughed?

Many employers have furloughed employees due to work capacity, financial constraints other reasons. If you’re furloughed with your current job more than likely you’re going to have a difficult time getting a … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, covid19, refinancing my mortgage, sonoma county home buying, sonoma county refinancing

Types of mortgages that may cost more

September 9, 2020 by Scott Sheldon

common costly mortgages

It’s no surprise 30-year mortgage rates today are under 3% with good credit, good equity, and good income. What you might not know is that not all loan situations are considered equal. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA Loans, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

The number one thing you need to watch out for on FHA and VA mortgages

September 2, 2020 by Scott Sheldon

The number one thing you need to watch out for on FHA and VA mortgages

Both programs offer extremely attractive interest rates, incredibly flexible qualifying, and also support less than perfect credit. Overall the programs are very favorable to producing an outcome that is practical and affordable. … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, debt va mortgage to refinance a home, FHA Loans, how to buy sonoma county real estate, sonoma county home buying, VA, VA Loans

Which company you chose to handle your home refinance matters

August 25, 2020 by Scott Sheldon

Which company you chose to handle your home refinance matters

Should you refinance your house with the random mortgage company offering you what appears to be too good to be true? Maybe…read on. One of the things which play in the mortgage … [Read More…]

Filed Under: Uncategorized Tagged With: conventional mortgages, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Should you refinance with today’s historically low rates?

August 21, 2020 by Scott Sheldon

Should you refinance with today's historically low rates?

Many experts will tell you shouldn’t refinance unless you’re saving 1% lower in rate. With today’s interest rates being on average below 3%  here’s how you should determine whether refinancing for you … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, home loan refinance, mortgage payment, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, sonoma county refinancing

New fee for residential conventional mortgages

August 13, 2020 by Scott Sheldon

new 2020 market adverse fee conventional mortgages

The Federal Housing Finance Agency just rolled out August 12th, 2020 new change to conventional mortgage refinances. Here’s what you need to know going forward… Fannie Mae and Freddie Mac are now … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, how to buy sonoma county real estate, loan programs, Santa Rosa mortgages, Sonoma County home loans, 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

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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

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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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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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