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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 are 2 mortgage process problems you will want to avoid

July 28, 2019 by Scott Sheldon

mortgage process problems avoid

Securing mortgage loan financing is the cornerstone of financial prosperity in America. It’s one of the biggest decisions you’ll ever take on your life. Here’s watch to avoid when applying for a … [Read More…]

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 Tagged With: BAD CREDIT MORTGAGE, buying a house, FHA home loans, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, sonoma county refinancing

How to handle a lower home value when refinancing your mortgage

July 21, 2019 by Scott Sheldon

how to refinance with a lower appraised value

When you apply to refinance your house one of the risks you inevitable agree to is your application is subject to a loan to value. Here is how to handle a situation … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News Tagged With: appraisal to refinance, mortgage rate quote, refinancing, refinancing my mortgage, Santa Rosa mortgage, shopping mortgage rates, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

What you need to know about the mortgage 4506T document

July 14, 2019 by Scott Sheldon

what to know about a mortgage 4506t

What you need to know about the mortgage 4506 document when purchasing or refinancing a house When you’re taking on a mortgage to purchase or refinance a property you must provide an … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, home loan refinance, qualifying for a mortgage, Santa Rosa mortgages

The number one mistake you don’t want to make when getting a mortgage

July 7, 2019 by Scott Sheldon

How your mortgage payment relates to purchase price

It may seem for some families like purchasing a refinancing a house is an endless amount of paperwork. To most people the mortgage process probably is that complex. Here’s what you need … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers Tagged With: buying a house, preapproval to buy a home, Sonoma County Mortgage Rates

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

June 30, 2019 by Scott Sheldon

Self Employed Borrowers

Traditionally, self-employed mortgage borrowers are more heavily scrutinized by mortgage companies because of their gyrating income. If their business stops the revenue stops and their ability to make a mortgage payment could … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, CA home buying, cash out refinance, conventional mortgages, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

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

June 23, 2019 by Scott Sheldon

buy a build or single family home

  Purchasing a house is representative of so many different things in life depending on who you ask. Buying a lot and constructing is a monstrous project requiring long-term planning. Here’s some … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, CA home buying, FHA Loans, preapproval to buy a home, qualify for a mortgage, Sonoma County Mortgage Rates

Here’s how much more expensive your mortgage will be due to bad credit

June 16, 2019 by Scott Sheldon

5 credit mistakes to avoid when getting a mortgage

Here’s how much more expensive your mortgage will be due to bad credit If you’re thinking about getting mortgage loan financing one of the most important things you can do to keep … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, Conventional, FHA, home buying, low credit home loans, Santa Rosa mortgages

Here’s the loan process and what not to do when getting a mortgage

June 9, 2019 by Scott Sheldon

todays mortgage loan process and what not to do

When you’re getting a mortgage the process can seem a little bit scary because it’s unfamiliar and most people don’t take out mortgages that often, so the unfamiliarity of the process can … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgage, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Should you refinance with today’s mortgage rates?

June 2, 2019 by Scott Sheldon

Here is one surefire way of making a mortgage process more of a hassle than it otherwise needs to be

The decision to refinance can be something that requires careful consideration time and energy. If you’re thinking about refinancing here’s some things to consider… What is the number one net tangible benefit … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage rate quote, qualify for a mortgage, refinancing, refinancing my mortgage, Santa Rosa 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

Be careful getting a mortgage if you have a bankruptcy

May 26, 2019 by Scott Sheldon

be careful getting a mortgage with a bankruptcy

A bankruptcy can possibly be a detrimental blow to your mortgage chances if it’s not handled in the right way. Following is what you should take into consideration if you have a … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, cash out refinance, home loan refinance, Santa Rosa mortgage, SONOMA COUNTY LOANS

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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.

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