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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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Should you buy a condo or a single family home?

June 26, 2020 by Scott Sheldon

Should you buy a condominium or should you purchase a house

When it comes to purchasing a home especially a first home what you decide to purchase can affect your affordability. Here’s what you might want to think about when you’re deciding to … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying your first home, condo, FHA home loans, home buying, how to buy sonoma county real estate, Low Rates, mortgage, preapproval to buy a home, qualifying for a mortgage, sonoma county ca mortgages

What you need to know if you are seeking an FHA mortgage with student loans

June 18, 2020 by Scott Sheldon

What you need to know if you are seeking an FHA mortgage with student loans

If you’re getting mortgage financing to purchase or refinance a house here is the number one thing that you’re going to want to avoid if you have a student loan. FHA mortgages … [Read More…]

Filed Under: Uncategorized Tagged With: FHA, preapproval to buy a home, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing, student loans

Why interest rates will probably not get any lower

June 11, 2020 by Scott Sheldon

Why interest rates probably will not go down any lower

Interest rates are a big driver of the mortgage market. People purchasing houses and refinancing houses are taking advantage of today’s historically low rates. Here are some fundamentals you should be aware … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, FHA home loans, home loan refinance, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, 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

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

June 5, 2020 by Scott Sheldon

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

  One of the old school ways home buyers used to buy homes was to secure a first mortgage and a second mortgage via seller carry financing. The program has gone away … [Read More…]

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

How energy independence home improvement loans may affect your mortgage

May 28, 2020 by Scott Sheldon

How energy independence home improvement loans may affect your mortgage

If you’re going to be doing a refinance of your house and you have an energy Independence program that’s built into your real estate taxes- here is what you need to know. … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, conventional mortgages, home loan refinance, Santa Rosa mortgages, sonoma county refinancing

How to get a mortgage when your self employed income is tricky

May 20, 2020 by Scott Sheldon

loan process

Not always, but traditionally, self-employed borrowers have a hard time securing mortgage loan financing. If you are filing self-employed and you are trying to get qualified for mortgage financing here are some … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, FHA, mortgage, qualifying for a mortgage, refinancing, refinancing my mortgage, Santa Rosa mortgages, self employed loans, shopping mortgage rates, sonoma county home buying, sonoma county refinancing

Minimum credit scores changing on mortgage programs due to Coronavirus

May 12, 2020 by Scott Sheldon

Minimum credit scores changing on mortgage programs to do to Coronavirus

If you are in the market for mortgage loan financing or will be in 2020 this information could be very pertinent to your situation. Here is what you need to know about … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, how to buy sonoma county real estate, mortgage rate quote, preapproval to buy a home, qualifying for a 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

How the new PPP Loan may adversely affect your mortgage

May 11, 2020 by Scott Sheldon

how the ppp loan may hurt your mortgage

If you’re looking for mortgage loan financing and you have taking out or considering the new federal paycheck Protection Program mortgage loan here’s some things you need to know… Residential Mortgage financing … [Read More…]

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

Is is a second mortgage making your refinance harder? This tip may help…

May 7, 2020 by Scott Sheldon

how to refinance 2nd mortgage

Mortgage lenders sometimes take an overly gun shy approach to how a mortgage loan is originated. One such example of this is if you have a first and a second mortgage on … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, First Time Home Buyers, Pre-Approval, Uncategorized Tagged With: cash out refinance, home loan refinance, mortgage rate quote, refinancing my mortgage, sonoma county refinancing

How to navigate mortgage appraisal situations during the Coronavirus pandemic

May 2, 2020 by Scott Sheldon

How to navigate mortgage appraisal situations during the Coronavirus pandemic

One of the things that have changed since the coronavirus has taken shape is how mortgage lenders are viewing appraisals. If you’re buying or refinancing a home here’s what you need to … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, FHA Loans, home loan refinance, refinancing my mortgage, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

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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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