• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Sonoma County Mortgages

Contact Us About Mortgage Financing

All financing provided by New American Funding

(707) 217-4000 | Prequalify Now

Search Sonoma County Mortgages

  • Home
  • Purchase
    • How Much Down Payment To Buy A Home?
    • How Much Income You Need To Buy A Home
    • How Much Should I Save For Buying A Home?
      • How Rates Affect Payment
    • No PMI Mortgages
    • FHA Loans
    • Sonoma County Disaster Loans
    • Jumbo Loans
  • Refinance
    • Mortgage Rates
    • Does It Make Sense To Refinance?
      • Get Your Refi Paperwork In Order
    • How To Pay Off Your Loan Faster
    • How To Remove PMI
    • How Lenders Price & Quote Loans
  • Loan Programs
  • Payment Calculator
    • Mortgage Affordability Calculator
  • Blog
  • Videos
  • About SCM
  • About Scott Sheldon

Primary Sidebar

Sonoma County Mortgages is a part of New American Funding

New American Funding - NMLS #6606

Get Your Latest Rate Quote Now!

Scott Sheldon

What's the minimum credit score for getting an FHA mortgage?

December 17, 2012 by Scott Sheldon

You will need to have a middle credit score of 620 or better for an FHA mortgage. Additionally, this is for single-family residences and you have to have two months of mortgage … [Read More…]

Filed Under: Credit Score Questions and Answers Tagged With: FHA mortgage, minimum credit score for loan

How do I use the Delayed Financing Rule ?

December 15, 2012 by Scott Sheldon

I am currently in Florida, in a closing debacle with Suntrust Mortgage and want to cash out our savings and just close the home purchase and be done with the process, then … [Read More…]

Filed Under: Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a house, Delayed Financing Rule, home loan refinance, Sonoma County Mortgage Rates

My loan is through Freddie Mac, why do need I cash to close on my HARP 2 Refinance?

December 13, 2012 by Scott Sheldon

What steps can be taken if the mortgage is now Freddie Mac?  Cenlar services the loan but doesn’t do refinancing.  I tried Quicken Loans but they wanted me to come out of … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: Harp 2 Refinance Program, home loan refinance, sonoma county refinancing

How can I get my credit score up to get a mortgage?

December 12, 2012 by Scott Sheldon

People thinking they can qualify for mortgage loan financing, learn after their credit report is pulled their credit score has dropped and they either cannot get the interest rate they were hoping … [Read More…]

Filed Under: Credit Score Questions and Answers Tagged With: credit score, qualifying for a mortgage, Sonoma County Mortgage Rates

Why is My Home Loan Rate 3.5%, but my APR is 3.793

December 11, 2012 by Scott Sheldon

The difference in the interest rate and the annual percentage rate is the spread expressed as a dollar finance over the life of the loan. The aPR is always going to be … [Read More…]

Filed Under: Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a house, home loan refinance, Low Rates

Should I get a mortgage rate quote for a refinance from my current lender?

December 10, 2012 by Scott Sheldon

Many Big mortgage lenders who service loans and originate loans such as Citibank, Wells Fargo Bank of America etc. will many times offer sales promotions to their loan servicing channel. If you … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: banks and credit unions, home loan refinance, mortgage comparison shopping

Did Your Adjustable Rate Mortgage Reset? Directions to Mortgage Payment Clarity

December 10, 2012 by Scott Sheldon

In the last several years, many homeowners looking to take advantage of a lower monthly mortgage payments took out adjustable-rate mortgages to purchase or refinance their homes. As both mortgage rates and … [Read More…]

Filed Under: Loan Programs Tagged With: Credit Markets, investment risk, Low Rates, mortgage rate quote

Why Can't I Get The Refi Mortgage Rate I Saw In The News?

December 8, 2012 by Scott Sheldon

“Why can’t I get the mortgage rate for my refinance I saw in the news?” This question is asked on a daily basis. When you as a homeowner have a mortgage and … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: home loan refinance, Low Rates, sonoma county refinancing

« Previous Page
Next Page »

Get Sonoma County Mortgages News and Updates in Your Inbox

Footer

SCM on Facebook

SonomaCountyMortgages.com

Connect on Facebook

SCM On Instagram

Follow Sonoma County Mortgages on Instagram

Follow on Instagram

SCM on Zillow

Zillow Reviews for Scott Sheldon, New American Funding

See Reviews on Zillow

Location & Contact

Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
1450 Neotomas Ave Suite 115
Santa Rosa, CA 95405
1-707-217-4000
View SCM Map | Email Us!

Map of Sonoma County Mortgages New American Financing Office

View Map on Google

Copyright 2010–2021 SonomaCountyMortgages.com · About Us · Sonoma County Loans · Privacy Policy · Terms Of Use · Legal · Site Map

NMLS Consumer Access © New American Funding. All rights Reserved. NMLS ID#6606.
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.

State Licensing (Opens in New Window) | Privacy (Opens in New Window)
Terms of Use (Opens in New Window) | Electronic Consent Agreement (Opens in New Window)
Opens in new window Opens an external site Opens an external site in a new window