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How to get a mortgage without tax returns for 2021

April 14, 2021 by Scott Sheldon

income tax returns mortgage 2021

It goes without saying getting mortgage loan financing could be a little bit of an arduous process for some folks particularly those who have challenges showing income are in the self-employed category. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA home loans, how to buy sonoma county real estate, income get a mortgage, Low Rates, mortgage payment, preapproval to buy a home, sonoma county home buying, sonoma county refinancing

How to handle this mortgage rate environment

April 7, 2021 by Scott Sheldon

How to handle this mortgage rate environment

With the new administration we have, the extra stimulus the federal government is working its way through the markets, inflation, or fears of inflation is definitely upon us and as result, an … [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, sonoma county home buying, Sonoma County Mortgage Rates, sonoma county refinancing

How do you know when you are buying too much house

March 31, 2021 by Scott Sheldon

buying house too much on family budget

One of the strongest builders of wealth in America real state. People can buy a house and literally turned their lives around for the better and over the course of time become … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, how to buy sonoma county real estate, preapproval to buy a home, qualifying for a mortgage, sonoma county home buying, Sonoma County Mortgage Rates

Be careful going into forbearance

March 25, 2021 by Scott Sheldon

what to know before you consider doing a forbearance

Well, times are definitely changing and one of the biggest challenges to buying a new home or refinancing a mortgage is forbearance. The federal government has allowed borrowers to do mortgage payment … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgages, Sonoma County home loans, sonoma county refinancing

Here’s what you need to understand about today’s mortgage rate environment

March 19, 2021 by Scott Sheldon

how to figure out mortgage rates

Interest rates are presently unstable. As a result of this instability brought on by some of the global and national events, we are in a very unique situation where rates literally from … [Read More…]

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

The 3 different types of home buyers

March 12, 2021 by Scott Sheldon

how to buy a home

In today’s market to be successful in getting mortgage financing you need to be realistic about what you can afford what you can expand and what your financial situation will support. Hear … [Read More…]

Filed Under: Uncategorized Tagged With: FHA home loans, home buying, how to buy sonoma county real estate, Low Rates, mortgage payment, preapproval to buy a home, qualifying for a mortgage, Sonoma County home loans, Sonoma County Mortgage Rates

Can you get a mortgage for a manufactured home?

March 4, 2021 by Scott Sheldon

mortgage for manufactured home

One of the types of homes people tend to look at in a high-cost market is manufactured homes. If you’re in the market for buying a house or even refinancing a house … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, FHA home loans, mortgage rate quote, preapproval to buy a home, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

How to navigate rising mortgage rates

February 26, 2021 by Scott Sheldon

why are mortgage rates getting worse?

We’ve been spoiled by ultra-low mortgage rates for the last several months. We saw 30-year mortgage rates go down into the mid two’s on conventional and government loans. These interest rates were … [Read More…]

Filed Under: Uncategorized Tagged With: 2021 refinancing my home, BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, mortgage, rates, rising interest rates for loans, sonoma county

How to be a successful home buyer in 2021

February 22, 2021 by Scott Sheldon

Buying a home successfully requires a few steps

If you want to be a successful home buyer, here are the following things you need to be aware of if you want to buy a house in 2021… It goes without … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Where should you go to refinance your mortgage?

February 10, 2021 by Scott Sheldon

Refinance with Sonoma County Mortgages

With interest rates still at historically, low levels many homeowners are discovering they can refinance to lower their interest rate, drop PMI, pull cash out, or move to an aggressive shorter-term mortgage … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, conventional mortgages, refinancing my mortgage, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to get a mortgage with a forbearance due to Covid_19

February 3, 2021 by Scott Sheldon

Mortgage and Lockdown viewed on tablet device

One of the big challenges of the coronavirus pandemic is how it has shaped not the mortgage industry but also peoples’ financial ability to sustain mortgage payments. Credit risk is and was … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, Credit Markets, how to buy sonoma county real estate, Low Rates, refinancing my mortgage, Santa Rosa mortgages, sonoma county refinancing

3 elements you must have in your financial life to buy a home

January 27, 2021 by Scott Sheldon

New Home

2021 might be the year to purchase a home. With the combination of ultra-low interest rates buying a home could absolutely be something within your reach. Timing the market not a good … [Read More…]

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

How to time the market to buy a home

January 20, 2021 by Scott Sheldon

Mortgage charts being worked on

Purchasing a home is one of the biggest staples of wealth for most families in America. It’s the largest thing in their life that can create big wealth creation. Here are some … [Read More…]

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

Should you buy a house or refinance the one you already own in 2021?

January 13, 2021 by Scott Sheldon

Mortgage Loan Application

With fixed-rate mortgages still at historical levels, many are considering re-evaluating their home and financial situation. One strategy might be to remodel the house you presently have another might be to acquire … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, 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, sonoma county refinancing

Why your side business makes getting a mortgage tougher

January 6, 2021 by Scott Sheldon

Loan Word Spelled Out in Palm of Hand

The reality of today’s mortgage market may come in the form of tough love. For many families purchasing or refinancing a home can make a huge financial impact on their life. Applying … [Read More…]

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

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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
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