The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Scott Sheldon's The Mortgage FIles Blog

Use A Local Petaluma Lender

By Scott Sheldon / April 9, 2011

Use a local Petaluma Lender to obtain a purchase home loan or a refinance home loan. A Sonoma County mortgage company will have one of the three types of representatives to assist you and helping you obtain a home loan. The first one will be local Petaluma Lender. This will usually be somebody who works…

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Scott Sheldon's The Mortgage FIles Blog

Why You Should Work With Scott

By Scott Sheldon / March 26, 2011

“Dear Scott,We wish to thank you for working with us to obtain our home loan. We found you to be diligent in your effort to find us the right loan. You answered all our questions and were prompt to get back to us. You really made the process painless.We most appreciated your sincerity and honesty,…

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Scott Sheldon's The Mortgage FIles Blog

See What An FHA Pre-approval Is All About

By Scott Sheldon / February 27, 2011

Folks seeking FHA Pre-Approvals Sonoma County will be paying more post April 18, 2011. The monthly mortgage insurance premiums are in fact being increased by a .25% on 30 year and 15 year fixed-rate mortgages beginning on April 18, 2011. For Sonoma County first-time home buyers and folks seeking FHA Pre-Approvals Sonoma County this represents…

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Scott Sheldon's The Mortgage FIles Blog

FHA Preapproval: Renting Vs Owning Sonoma County

By Scott Sheldon / January 31, 2011

With home prices at record lows, getting an FHA Preapproval is a smart financial decision. A big concern for a lot of folks, seeking FHA Preapproval unemployment. People simply do not buy homes if they are worried about losing their job. However these people need to live somewhere and more often than not, they most…

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Scott Sheldon's The Mortgage FIles Blog

Sonoma County Mortgages… The Ins & Outs

By Scott Sheldon / January 20, 2011

You probably already know if you have a decent credit score, have an overall low monthly debt picture and have at least 3/2% equity into the transaction you can get a loan from a pool of available Sonoma County Mortgages. Most folks seeking home mortgages know at the end of the day it is the…

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Scott Sheldon's The Mortgage FIles Blog

Buying Your First Home

By Scott Sheldon / December 26, 2010

Buying your first home is now a no brainer according to CNN. What I have found to be the case is that the majority of would be Sonoma County first time homebuyers generally know that purchasing a home today is a smart financial move. There are several things to consider in order to get the…

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Scott Sheldon's The Mortgage FIles Blog

"Bank Mortgage Rates" Petaluma

By Scott Sheldon / December 12, 2010

Bank mortgage rates in Petaluma are available directly from local Petaluma lenders. In the last couple of weeks 30 years mortgage rates have risen due to the Federal Reserve’s activity in buying bonds. Most borrowers today searching for bank loans are still focused on attaining the best 30 year fixed mortgage rate. While the market…

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Scott Sheldon's The Mortgage FIles Blog

Mortgage Shop Santa Rosa

By Scott Sheldon / November 29, 2010

To Mortgage Shop Santa Rosa be prepared for current mortgage rates to change frequently. Everyone knows they should Mortgage Shop Santa Rosa at least on a preliminary level makes sense in order to compare the most current mortgage rates on any home loan. Unlike shopping for a car or a camera to begin your mortgage…

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