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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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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

Can you get a mortgage with bad credit?

January 9, 2020 by Scott Sheldon

Can you get a mortgage with bad credit?

Many mortgage companies along with the internet would have you believe getting a mortgage with bad credit cannot happen. It is true the process will be more difficult and challenging, but it … [Read More…]

Filed Under: Credit Score Questions and Answers, First Time Home Buyers, Jumbo Loans, Mortgage Shopping, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Video Tagged With: can I buy a house with bad credit, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

How the FHA 100 mile rule limits your ability to rent out and buy a home

December 26, 2019 by Scott Sheldon

What you need to know if you are seeking an FHA mortgage with student loans

FHA Loans are one of the most flexible loan programs available in the US housing market today. They are incredibly flexible only require a 3.5% down payment and offers very makes sense … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: FHA, fha buy a new home, FHA home loans, FHA Loans, income needed for fha loan, qualifying for a mortgage, sonoma county home buying, Sonoma County home loans

How changing your income and job status may affect your mortgage chances

December 19, 2019 by Scott Sheldon

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

Securing mortgage loan financing requires an ample credit score enough equity and or down payment, but it also requires income. You must have documented proof of income as well as a two-year … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Uncategorized Tagged With: cash out refinance, 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

3 solid reasons why the best time to buy a home is towards the end of the year

December 12, 2019 by Scott Sheldon

how the ppp loan may hurt your mortgage

One factor on every home buyer’s mind is whether they’re getting a deal. One of the best-kept secrets of in real estate buy at the end of the year if you can … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: mortgage comparison shopping, refinancing my mortgage, Santa Rosa mortgage, shopping mortgage rates, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

Here is one surefire way of making the mortgage loan process more of a hassle

December 8, 2019 by Scott Sheldon

why your mortgage goals why not happen

When you’re refinancing or purchasing a home. There is going to be inevitable paperwork that the mortgage company is going to require. If you plan on seeking a mortgage anytime soon, please … [Read More…]

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

New loan limits for 2020 makes getting a mortgage easier

December 1, 2019 by Scott Sheldon

2020 Conforming Loan Limits Increaase

The Federal Housing Finance Agency which oversees loans bought by Fannie Mae and Freddie Mac announced to change to the conforming loan limit last week. Here’s what the change means for you… … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, buying your first home, mortgage rate quote, preapproval to buy a home, sonoma county refinancing

3 pricey mortgage loan scenarios to watch for

November 24, 2019 by Scott Sheldon

3 pricey mortgage loan scenarios to watch for

When it comes to purchasing or refinancing a house one of the factors that can play a role in your ability to secure financing is your credit score, your property type and … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates Tagged With: refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages

What to expect with mortgage rates over the next few months

November 17, 2019 by Scott Sheldon

Why interest rates probably will not go down any lower

If you’ve been waiting to pull the trigger on a new house purchase or a refinance and you’re waiting for an interest rate you may get your wish over the course of … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: BAD CREDIT MORTGAGE, buying your first home, preapproval to buy a home, refinance, sonoma county home buying, Sonoma County Mortgage Rates

How your mortgage payment relates to purchase price

November 2, 2019 by Scott Sheldon

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

Buying a home means the careful planning of your finances and making sure it’s really something that you can support? One of the biggest challenges home buyers face is budgeting for a … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: preapproval to buy a home, Santa Rosa mortgages, sonoma county home buying, Sonoma County home loans, sonoma county refinancing

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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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