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Sonoma County Mortgages

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Jumbo Loans

New Mortgage Loan Limits for 2023

December 4, 2022 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

The Federal Housing Finance Agency announced on Tuesday, November 29th the new loan limits for 2023. The new conforming loan limit has increased and has been year over year 7 years in … [Read More…]

Filed Under: Interest Rates, Jumbo Loans, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, buying your first home, cash out refinance, Credit Markets, Harp 2 Refinance Program, mortgage rate quote, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates

Why your income is your lifeline to finance a home

January 23, 2020 by Scott Sheldon

Mortgage Word Cloud Art

Getting mortgage loan financing requires you providing a blend of good cash, ample credit, and income to offset a proposed new expense i.e. a mortgage loan. You must have the right blend … [Read More…]

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 Tagged With: buying a house, buying your first home, cash out refinance, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

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

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 to remove private mortgage insurance

May 16, 2017 by Scott Sheldon

why waiting for lower rates is a bad idea

There is too much information circling around the internet, about how to remove mortgage insurance from your monthly mortgage payment. Unfortunately, it is not as simple as having 20% home equity either. … [Read More…]

Filed Under: Credit Score Info, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, conventional mortgages, FHA Loans, home loan refinance, mortgage comparison shopping, pmi, Remove Pmi, SONOMA COUNTY LOANS

Why you cannot opt out of title insurance when getting a mortgage

April 21, 2017 by Scott Sheldon

why you cannot opt out of title insurance

If you are like most consumers, you want to have a clear understanding of the fees associated with a mortgage. The closing process, lender fees, title fees, etc. This is so you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, FHA Loans, Harp 2 Refinance Program, home buying, mortgages, preapproval to buy a home, sonoma county refinancing

The 2017 Mortgage Rate Environment

January 12, 2017 by Scott Sheldon

2017 mortgage rate environment

The mortgage industry has gone through some changes in the last three months. If you are looking to finance a home in 2017, it is important that you know what the opportunities … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying Tagged With: home buying, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

Are we in a housing bubble?

October 25, 2016 by Scott Sheldon

how to write killer offer letter

As prices continue to climb many are wondering if there’s going to be a pop similar to the financial crisis.  Here is the reality of mortgage and housing market… The financial crisis … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs Tagged With: buying a home, home buying, mortgage, rates, scott sheldon loans

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Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
2455 Bennett Valley Road C107
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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