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Will co-signing on someone else’s mortgage hurt my mortgage chances?

January 23, 2022 by Scott Sheldon

Will co-signing on someone else's mortgage hurt my mortgage chances?

One of the most misunderstood things in the areas of mortgage finance is cosigning. What it means, what it does for the loan, and what it does to your financial future. It’s … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, cash out refinance, co signor, co-sign, home buying, home buying in Sonoma County, investment risk, loan programs, Low Rates, mortgage lender, qualify for a mortgage

You can now cash out refinance 100% known to value with VA financing

January 16, 2022 by Scott Sheldon

You can now cash out refinance 100% known to value with VA financing

For borrowers who are military veterans, the change to VA loans that recently has taken place can be immensely beneficial. If you have a VA mortgage on your house, and if you’re … [Read More…]

Filed Under: Uncategorized Tagged With: FHA home loans, FHA Loans, home buying, mortgage lender, Santa Rosa mortgage, Sonoma County Mortgage Rates

The complete guide to getting a mortgage when your self-employed

January 9, 2022 by Scott Sheldon

The complete guide to getting a mortgage when your self-employed

It’s no surprise if you’re self-employed and you’re trying to secure mortgage financing you potentially have a difficult time getting your loan approve. Let alone getting your loan to close at all. … [Read More…]

Filed Under: Uncategorized Tagged With: first-time home buyers Sonoma County, free mortgage rate quote Sonoma County, free rate quote Santa Rosa, how to qualify yourself for a mortgage, self employed, self employed due to covid, self employed loans, self employed mortgage home loans, self-employed borrowers

What’s going to happen with interest rates in 2022

January 2, 2022 by Scott Sheldon

What's going to happen with interest rates in 2022

One of the big questions on the minds of consumers looking to purchase or refinance a home is what’s going to happen with interest rates in 2022. Interest rates, while they remain … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, compare mortgage rates Santa Rosa, conventional loans, conventional mortgages, FHA Loans, high interest rates, home buying in Sonoma County, mortgage rate quote, preapproval to buy a home

How changing your preapproved amount may affect your home buying chances

December 26, 2021 by Scott Sheldon

How changing your preapproved amount may affect your home buying chances

So, you’re looking to purchase a house, you’re preapproved, and you’re on the home search. You and your realtor are going out on nights and weekends looking at homes and deciding if … [Read More…]

Filed Under: Uncategorized Tagged With: 401k to buy home, best mortgage, CA home buying, FHA Loans, FHA mortgage, home buying, mortgage comparison shopping, mortgage lender, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgage, Sonoma County Mortgage Rates

3 creative ways to come up with a down payment

December 19, 2021 by Scott Sheldon

3 creative ways to come up with a down payment

Purchasing a house is no easy feat. One of the major elements you need to have in order to purchase a house is to have a good down payment. This will afford … [Read More…]

Filed Under: Uncategorized Tagged With: best mortgage, buying a home, CA home buying, conventional loans, conventional mortgages, FHA, FHA home loans, Sonoma County Mortgage Rates, va home buying

How to purchase a house with a partial down payment

December 12, 2021 by Scott Sheldon

How to purchase a house with a partial down payment

How do you buy a house with not quite enough money? Contrary to popular belief you can buy a house even if you don’t have enough money to do it. It’s a … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, buying your first home, conventional mortgages, FHA, FHA 3.5%, fha buy a new home, FHA Loans, how to buy sonoma county real estate, Low Rates, Santa Rosa mortgages

2022 conventional, FHA, VA, loan limits now rise

December 6, 2021 by Scott Sheldon

2022 conventional, FHA, VA, loan limits now rise

If you’ve been on the sidelines for residential financing, or you’re thinking about doing a loan, and you’ve had some difficulty as it relates to borrowing money for home mortgage financing. The … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, CA home buying, FHA, FHA home loans, mortgage comparison shopping, Santa Rosa mortgage, VA Loans

You can refinance with up to 65% debt to income ratio

December 5, 2021 by Scott Sheldon

You can refinance with up to 65% debt to income ratio

For many people looking to save money. Refinancing can prove to be a very financially beneficial outlet. If you’ve tried to qualify for a mortgage before in the past or have had … [Read More…]

Filed Under: Uncategorized Tagged With: 2021 refinancing my home, BAD CREDIT MORTGAGE, buying a house, cash out refinance, Credit Markets, debt va mortgage to refinance a home, home buying, home loan refinance, how to buy sonoma county real estate, Santa Rosa mortgage, sonoma county home buying

The new credit score you need to get a mortgage

November 28, 2021 by Scott Sheldon

The new credit score you need to get a mortgage

It was recently announced there’s a credit score change to conventional loans. This credit score change is now shaping the way families can procure a mortgage. If your credit score needs a … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a home, buying your first home, conventional mortgages, FHA Loans, get a low pmi factor when home buying, low pmi, pmi

3 things to know that make your mortgage difficult

November 21, 2021 by Scott Sheldon

3 things to know that make your mortgage difficult

Most people understand that getting mortgage financing is not the most fun thing in the world to do.  There’s an examination that takes place which is these requests for paperwork on the … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home with mortgage financing, down payment, home buying, home loan process, home loan programs Sonoma County, mortgage lender

Signs you’re not ready to buy a house

November 14, 2021 by Scott Sheldon

Signs you're not ready to buy a house

Everyone wants to purchase a house and buying home is considered the American dream. However, not everyone is ready to buy a house and here are some things you might want to … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, conventional mortgages, credit for sonoma county mortgage, FHA, mortgage comparison shopping, sonoma county home buying

What may happen with interest rates in 2023

November 7, 2021 by Scott Sheldon

What may happen with interest rates in 2023

With an unknown future, and the broader economy still recovering from the pandemic. What’s to happen with interest rates? Well, it’s. Well interest rates typically improve on bad economic news. If you … [Read More…]

Filed Under: Uncategorized Tagged With: best mortgage, Fannie Mae Freddie Mac refinance, how to refinance my home, interest rates, lowest interest rates

Don’t be an “I don’t want to waste your time” mortgage consumer

November 3, 2021 by Scott Sheldon

Don't be an "I don't want to waste your time" mortgage consumer

Mortgage companies must look at the overall picture in helping you qualify to purchase or refinance a home. If you think you might not qualify or there’s something in your financial picture, … [Read More…]

Filed Under: Uncategorized Tagged With: best mortgage, buying a home, home loan refinance, Mortgage company, mortgage comparison shopping, Sonoma County Mortgage Rates

Why these 2 factors drive housing prices above all else

October 31, 2021 by Scott Sheldon

Why These 2 factors drive housing prices above all else?

People are astonished on how housing prices are so strong right now. These 2 Housing factors are playing a very important role in the housing market. More importantly in one’s ability to … [Read More…]

Filed Under: Uncategorized Tagged With: conventional loans, conventional mortgages, firs time home buyers, housing, how to buy sonoma county real estate, income for a mortgage qualifying, real estate market

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1450 Neotomas Ave Suite 115
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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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