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Sonoma County Mortgages

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Loan Qualifying

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

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 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

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

Here are 2 mortgage process problems you will want to avoid

July 28, 2019 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

Securing mortgage loan financing is the cornerstone of financial prosperity in America. It’s one of the biggest decisions you’ll ever take on your life. Here’s watch to avoid when applying for a … [Read More…]

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 Tagged With: BAD CREDIT MORTGAGE, buying a house, FHA home loans, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, sonoma county refinancing

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

June 30, 2019 by Scott Sheldon

Self Employed Borrowers

Traditionally, self-employed mortgage borrowers are more heavily scrutinized by mortgage companies because of their gyrating income. If their business stops the revenue stops and their ability to make a mortgage payment could … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, CA home buying, cash out refinance, conventional mortgages, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

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

June 23, 2019 by Scott Sheldon

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

  Purchasing a house is representative of so many different things in life depending on who you ask. Buying a lot and constructing is a monstrous project requiring long-term planning. Here’s some … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, CA home buying, FHA Loans, preapproval to buy a home, qualify for a mortgage, Sonoma County Mortgage Rates

Here’s how much more expensive your mortgage will be due to bad credit

June 16, 2019 by Scott Sheldon

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

Here’s how much more expensive your mortgage will be due to bad credit If you’re thinking about getting mortgage loan financing one of the most important things you can do to keep … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, Conventional, FHA, home buying, low credit home loans, Santa Rosa mortgages

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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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