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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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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

mortgage process problems avoid

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

buy a build or single family home

  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

5 credit mistakes to avoid when 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

Here’s the loan process and what not to do when getting a mortgage

June 9, 2019 by Scott Sheldon

todays mortgage loan process and what not to do

When you’re getting a mortgage the process can seem a little bit scary because it’s unfamiliar and most people don’t take out mortgages that often, so the unfamiliarity of the process can … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgage, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Should you refinance with today’s mortgage rates?

June 2, 2019 by Scott Sheldon

Here is one surefire way of making a mortgage process more of a hassle than it otherwise needs to be

The decision to refinance can be something that requires careful consideration time and energy. If you’re thinking about refinancing here’s some things to consider… What is the number one net tangible benefit … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage rate quote, qualify for a mortgage, refinancing, 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 Mortgage Rates, sonoma county refinancing

Be careful getting a mortgage if you have a bankruptcy

May 26, 2019 by Scott Sheldon

be careful getting a mortgage with a bankruptcy

A bankruptcy can possibly be a detrimental blow to your mortgage chances if it’s not handled in the right way. Following is what you should take into consideration if you have a … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, cash out refinance, home loan refinance, Santa Rosa mortgage, SONOMA COUNTY LOANS

Does your mortgage lender know how to do purchase business?

May 12, 2019 by Scott Sheldon

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

Purchasing a home is a large financial move and there is a ton of details that go into the process; including everything from getting a mortgage to finding the right house in … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Mortgages: why you need to read the fine print

May 5, 2019 by Scott Sheldon

mortgages: why you need to read the fine print

Every consumer wants to get a fair and reasonable deal on the cost of borrowing funds refinance your home or purchase a home. However, what many people get fooled into is believing … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, cash out refinance, FHA Loans, home buying, mortgage loan comparison shopping, refinancing, Santa Rosa mortgages, shopping mortgage rates, 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.

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