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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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Types of loans you can get based on your credit score

October 20, 2019 by Scott Sheldon

why your mortgage goals why not happen

Credit is one of the biggest parameters of a lender’s decision to grant you a loan approval or not. There’s a lot of misconceptions out there floating around the internet about what … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers Tagged With: refinancing, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, sonoma county refinancing

8 common mortgage misconceptions most consumers ask about

October 13, 2019 by Scott Sheldon

8 common mortgage mistakes consumer ask about

The internet is full of information about purchasing or refinancing a house. Some of it tangible some of it not worth the paper it’s written on. Here are seven of the most … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates Tagged With: buying a house, mortgage rate quote, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county refinancing

How to use rental income to qualify for a mortgage

September 29, 2019 by Scott Sheldon

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

How to use rental income to qualify for a mortgage Rental property is a great way to have additional streams of income and create a financial nest egg for you and your … [Read More…]

Filed Under: First Time Home Buyers, Uncategorized Tagged With: preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, sonoma county refinancing

This FHA requirement might hurt your multi unit home buying chances

September 13, 2019 by Scott Sheldon

This FHA requirement might hurt your multi unit home buying chances

One of the perks of getting an FHA mortgage is the ability to purchase a primary home using just 3.5% down. The math however will change if you’re buying a multi-family property… … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Uncategorized Tagged With: buying your first home, purchase real estate, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS

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

September 8, 2019 by Scott Sheldon

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

When buying a home most would believe the number one most important thing you need to be focused on is what you pay for the house. Mom and dad who bought their … [Read More…]

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 Tagged With: buying a house, buying your first home, FHA home loans, home buying, preapproval to buy a home, qualifying for a mortgage, sonoma county home buying

How your finances matter when it comes to buying a home

September 1, 2019 by Scott Sheldon

6 common mortgage loan scenarios you cannot circumnavigate

Buying a home is quite a financial feat. It requires careful planning due diligence and making sure that it’s the right decision for you and your family. If you’re buying a home, … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers Tagged With: cash for mortgage, credit score for buying a home, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

Could the 30 year fixed mortgage get to 3%?

August 25, 2019 by Scott Sheldon

why waiting for lower rates is a bad idea

Interest rates right now are very close to their all-time historical lows. We’ve seen this a few times before. Here’s what you need to consider when getting what you perceive as the … [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 a home, home loan refinance, how to buy sonoma county real estate, Low Rates, mortgage lender, mortgage rate quote, Santa Rosa mortgage, Sonoma County Mortgage Rates, sonoma county refinancing

Mortgage rate too good to be true? It probably is…

August 18, 2019 by Scott Sheldon

Why interest rates probably will not go down any lower

So, you got a mortgage rate that sounds too good to be true but now you can’t close Mortgage rates are presently near their historic lows on 30-year fixed rate mortgage with … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, FHA Loans, home buying, home buying in Sonoma County, mortgage comparison shopping, mortgage rate, sonoma county home buying

How the mortgage process could get ugly if you have a difficult picture

August 11, 2019 by Scott Sheldon

6 common mortgage loan scenarios you cannot circumnavigate

Residential Mortgages in America today are designed for families to fit a box. If your financial profile in anyway is outside of that box, you might experience what otherwise might be a … [Read More…]

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

What you need to know about the mortgage 4506T document

July 14, 2019 by Scott Sheldon

what to know about a mortgage 4506t

What you need to know about the mortgage 4506 document when purchasing or refinancing a house When you’re taking on a mortgage to purchase or refinance a property you must provide an … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, home loan refinance, qualifying for a mortgage, Santa Rosa mortgages

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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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