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  • Scott Sheldon
    • Scott Sheldon
      Senior Loan Officer
      NMLS ID# 287389
      Direct: 707 217-4000
      Scott.Sheldon@nafinc.com
      Specializing in Residential Home Loans for Primary Residences, Second Homes, Investment Properties, Single Family Homes, Condos, PUDs, 1-4 Units.

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Is is a second mortgage making your refinance harder? This tip may help…

May 7, 2020 by Scott Sheldon

how to refinance 2nd mortgage

Mortgage lenders sometimes take an overly gun shy approach to how a mortgage loan is originated. One such example of this is if you have a first and a second mortgage on … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, First Time Home Buyers, Pre-Approval, Uncategorized Tagged With: cash out refinance, home loan refinance, mortgage rate quote, refinancing my mortgage, sonoma county refinancing

How to get a mortgage if you’ve been furloughed to do to COVID_19

April 9, 2020 by Scott Sheldon

How to get a mortgage if you've been furloughed to do to COVID_19

The coronavirus has undoubtedly created a significant amount of challenges for mortgage companies and families across America. Some lenders are changing credit score requirements, others are pulling out of the market entirely, … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: buying a house, home buying, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Fannie & Freddie change home mortgage appraisals over COVID_19

April 1, 2020 by Scott Sheldon

fannie made change to home appraisal covid_19

The coronavirus has just changed the way in which mortgage lenders are now appraising homes. Due to market volatility and changing market conditions, Fannie Mae and Freddie Mac just recently announced that … [Read More…]

Filed Under: Credit Score Info, Interest Rates Tagged With: buying a house, home buying, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

Don’t make this home buying when negotiating the purchase price of a house

March 12, 2020 by Scott Sheldon

How to use seller carry financing to purchase a house with less cash down

Buying a home is a high ticket purchase. It requires careful planning and due diligence. One of the biggest factors of buying a home is taking into consideration all the various reports, … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Uncategorized Tagged With: purchase real estate, qualifying for a mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS

Why your mortgage goals may not happen

March 3, 2020 by Scott Sheldon

why your mortgage goals why not happen

If you’re desiring to refinance your house or even buy a new one and you don’t have several hundred thousand dollars, you’re probably going to need a mortgage. One of the things … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, Uncategorized Tagged With: buying a house, qualifying for a mortgage, Santa Rosa mortgages, shopping mortgage rates, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Buy a house now or should I wait?

February 26, 2020 by Scott Sheldon

buy a home now vs waiting

One of the things homebuyers are always asking themselves is buying now versus waiting. Mathematically it could pencil out that buying a house down the line might make more sense, but you … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, First Time Home Buyers, Loan Qualifying, Popular Tagged With: preapproval to buy a home, Santa Rosa mortgage, sonoma county refinancing

Why you shouldn’t be solely focused on credit when it comes to getting a mortgage

February 19, 2020 by Scott Sheldon

Why you shouldn't be solely focused on credit when it comes to getting a mortgage

For you to successfully purchase a home or refinance a home, you’ll want to pay attention to your overall financial picture. Each mortgage lender requires a blend of healthy credit, manageable debt, … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: cash out refinance, credit mortgage, preapproval to buy a home, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

3 ways that will prevent you from getting a mortgage

February 12, 2020 by Scott Sheldon

3 ways you cannot get a mortgage

If you want a mortgage, you need to play by the lender’s rules. There’s an old saying called the Golden Rule he who has the money makes the rules. When it comes … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Uncategorized Tagged With: buying a house, CA home buying, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to make your financial profile less intricate for a mortgage application

January 30, 2020 by Scott Sheldon

How to make your financial profile less intricate for a mortgage application

It’s no secret these days mortgage companies want you to jump through hoops and provide what might seem like endless amounts of paperwork in order to grant you credit. Here are some … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Uncategorized Tagged With: mortgage rate quote, refinancing my mortgage, Santa Rosa mortgages, Sonoma County home loans, sonoma county refinancing

How to lower your debt to income when getting a mortgage

January 16, 2020 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

Your debt to income ratio represents the number of monthly expenses you have in relation to your monthly income. Lenders usually want this number to be no more than 50% of your … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

Popular Posts

Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular

2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval

Why the purchase price in a real estate transaction should not be the single most important factor

Why the purchase price should not be the single most important factor

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to avoid getting a jumbo loan due to Coronavirus

Here are 2 mortgage process problems you will want to avoid

Filed Under: Credit Score Questions and Answers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to use seller carry financing to purchase a house with less cash down

Should you buy & build or buy a single family home?

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

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SonomaCountyMortgages.com

Location & Contact

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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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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