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Five guaranteed ways to improve your home purchasing power

May 2, 2022 by Scott Sheldon

Five guaranteed ways to improve your home purchasing power

It is no surprise that interest rates are on the rise. As interest rates rise home spending power i.e., buying power diminishes. If the same loan amount and the same purchase price … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, CA home buying, cash out refinance, FHA home loans, Santa Rosa mortgage, sonoma county home buying

What the Federal Reserve rate increase means

April 24, 2022 by Scott Sheldon

What the Federal Reserve rate increase means

The Federal Reserve increased the Fed funds rate 25 points in an effort to slow down the highest inflation seen in 30 years. As a result, here’s what this means for interest … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, conventional mortgages, Federal reserve, FHA home loans, FHA Loans, first time home buyer, loan programs, sonoma county home buying, sonoma county loan

The best way to cash out refinance your home

April 17, 2022 by Scott Sheldon

The best way to cash out refinance your home

Consumers are no stranger to the present economic times we are living in right now as everything is rising, and inflation is rampant virtually everywhere. Gas prices, stock prices, housing prices, mortgage … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, buying your first home, cash out refinance, Consumer debt, conventional loans, Home equity line, sonoma county refinancing

Why not all first time homebuyer programs are created equal

April 10, 2022 by Scott Sheldon

Why not all first time homebuyer programs are created equal

If you are just starting off in life and trying to get your footprint in the real estate climate; the information in this post is for you. Everyone must start somewhere and … [Read More…]

Filed Under: Uncategorized Tagged With: 401k to buy home, BAD CREDIT MORTGAGE, best mortgage, buying a home, can I buy a house with bad credit, credit for sonoma county mortgage, FHA, fha first time buyer with 3.5% down, fha home loan, first time buyer, mortgage comparison shopping, qualifying for a mortgage, sonoma county home buying, sonoma county mortgage

Should you refinance into a higher rate mortgage?

April 3, 2022 by Scott Sheldon

Should you refinance into a higher rate mortgage?

It is no surprise inflation is upon us, and interest rates are feeling the rising cost of goods and services. Everything seems like it is going up in price. Mortgage rates are … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, cash out refinance, debt va mortgage to refinance a home, debt-to-income, free mortgage rate quote Sonoma County, home buying in Sonoma County, home loan, home loan programs Sonoma County, refinancing

Position your pre-approval against rising rates

March 27, 2022 by Scott Sheldon

How to position your mortgage pre-approval against rising rates

The inflationary environment that we are in, coupled with the supply chain, rising prices of food and energy, all has contributed to higher costs for about every economic resource. Interest rates are … [Read More…]

Filed Under: Uncategorized Tagged With: Consumer debt, Credit report, first-time home buyers Sonoma County, home buying, loan preapproval, mortgage preapproval, mortgage rates, no cost loan quote, Rising rates

Does the Federal Reserve make mortgage rates go up or down?

March 20, 2022 by Scott Sheldon

Does the Federal Reserve make mortgage rates go up or down?

It’s no secret, unless you’ve been living under a rock, that the Federal Reserve almost for certain is going to raise interest rates in March of 2022. The question then becomes if … [Read More…]

Filed Under: Uncategorized Tagged With: Federal reserves, first-time home buyers Sonoma County, home buying, mortgage rates, no cost loan quote

Should you refinance during rising rates?

March 14, 2022 by Scott Sheldon

Should you refinance during rising rates?

If you’re thinking about refinancing your house and you’ve been on the fence; now would be a good time to start that application. Interest rates are all relative so it’s important to … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, Consumer debt mortgage, Credit Markets, Federal reserves, FHA Loans, home buying, mortgage lender, qualifying for a mortgage, refinancing

Should you refinance your current mortgage?

March 6, 2022 by Scott Sheldon

Should you refinance with your current mortgage servicer?

People looking to refinance their homes are always looking for a good deal. It goes without saying you’ll want to do the best you can for yourself financially. Get the best combination … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, cash out refinance, Credit Markets, FHA Loans, loan programs, Low Rates, mortgage comparison shopping, Santa Rosa mortgages

Your ex can make your mortgage application difficult

February 27, 2022 by Scott Sheldon

How your ex can make your mortgage application difficult

You’re trying to purchase or refinance a home. You have an ex that you’re dealing with that you were either married to or on title to a property with. The mortgage process … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, conventional loans, conventional mortgages, Divorce mortgage, home buying in Sonoma County, mortgage comparison shopping, mortgage lender, Santa Rosa mortgages

Buying a piece of land and put a home on it

February 20, 2022 by Scott Sheldon

Does it make sense to buy a piece of land and put a home on it?

People are always trying to find additional ways to reduce their cost when buying a home. Maybe that means buying a lower price point or changing to a condominium instead of a … [Read More…]

Filed Under: Uncategorized Tagged With: building a home, buying a home, construction financing, construction loan, conventional loan, first time home buyer, high interest rates, High Loan To Value, land buying, manufactored, single family home, sonoma county mortgage

What type of mortgage lender are you looking for?

February 13, 2022 by Scott Sheldon

What type of mortgage lender are you looking for?

Not all mortgage companies are the same. What type of a lender or mortgage professional you work with can make the difference between you being successful in your home buying endeavor or … [Read More…]

Filed Under: Uncategorized Tagged With: get a low pmi factor when home buying, getting preapproved, How to get preapproved, loan programs, low pmi, Low Rates, purchase real estate, qualify for a mortgage, Remove Pmi, Santa Rosa mortgages, Sonoma County Mortgage Rates

How your credit cards shape your ability to get a mortgage

February 6, 2022 by Scott Sheldon

How your credit cards shape your ability to get a mortgage

Maintaining a personal budget and having a good financial plan associated with your income is a good 1st step in preparing yourself to get mortgage loan financing. Whether you are buying a … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, CA home buying, conventional loans, credit card debt, credit cards, debt-to-income, FHA, FHA preapproval, mortgage comparison shopping, mortgage rate quote, mortgages, Santa Rosa mortgage, VA financing

Federal reserve hikes interest rates

January 30, 2022 by Scott Sheldon

When the fed hikes interest rates, what happens to mortgage rates?

Probably the biggest misnomer in mortgage finance, is what consumers interest rates do when the Federal Reserve hikes interest rates up. The Federal Reserve is trying to control and stimulate the economy … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, buying a house, buying your first home, CA home buying, conventional mortgages, debt-to-income, Federal reserves, FHA home loans, high interest rates, home buying in Sonoma County, how interest rates work

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

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Scott Sheldon, Senior Loan Officer
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1450 Neotomas Ave Suite 115
Santa Rosa, CA 95405
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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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