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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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Here is the magic cash to payment formula to use when buying a home

April 28, 2019 by Scott Sheldon

end of the year best time to buy a home reasons

Buying a house is a large financial investment. People when seeking a mortgage generally are looking to keep their payments as low as possible in relationship to their income and fixed costs. … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, buying your first home, how to buy sonoma county real estate, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS

How a bank statement program might help you get a mortgage more easily

April 23, 2019 by Scott Sheldon

bank statement program for getting a mortgage

One of the challenges some families may have when seeking a mortgage is not showing enough income on paper via tax returns to qualify. Here’s some nuances about bank statement programs that … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Tips & Advice Tagged With: qualifying for a mortgage, refinancing my mortgage, shopping mortgage rates

Why waiting to pull credit may not make sense for getting a mortgage

April 16, 2019 by Scott Sheldon

waiting credit pull mortgage

Everyone wants to be a credit expert especially when it comes time to getting a mortgage. The unfortunate truth is most people do not have the expertise or time to accurately enhance … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Tips & Advice Tagged With: 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 refinancing

Here’s what you should be focused on when buying a home and it’s not the purchase price

April 5, 2019 by Scott Sheldon

why purchase price is not the most important thing when buying a home

Buying a home for the first time or even a second or third time is a detailed and meticulous endeavor that should be carefully considered by weighing out all your options. Consider … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, cash out refinance, first time buyer, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS

Can you use roommate income to get a mortgage?

March 26, 2019 by Scott Sheldon

buy a build or single family home

Refinancing or purchasing a house requires an apple supply of cash, credit and income. Here’s what you need to know with regards to getting a mortgage loan with roommate income. Generally, to … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, Credit Markets, FHA Loans, home buying

Here’s how to get the most benefit from your first-time home buyer researching

March 19, 2019 by Scott Sheldon

first time home buyer researching

As a first-time home buyer taking the plunge to home ownership is a big step. You need to be feeling good about your personal debts and cash flow. Here is what you … [Read More…]

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

What loan program you may be eligible for based on your credit score

March 12, 2019 by Scott Sheldon

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

Your credit plays an infinite role in your ability to get a mortgage loan. How good your credit stacks and what your credit history reveals may direct you into one program versus … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying Tagged With: credit score mortgage, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgages, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

Be wary about paying off this type of debt when getting a home mortgage

March 5, 2019 by Scott Sheldon

should you cash out refinance or buy a new home

Most mortgage companies will let you pay off debt to qualify for a mortgage. The beauty of doing so is borrowing power increase. Here’s what you know when paying off debt to … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Tips & Advice Tagged With: car loans, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Why you may need to pay the piper with your self-employed income for a loan

February 12, 2019 by Scott Sheldon

why you may need to pay the piper filing self employed for a loan

Applying to purchase or refinance a mortgage is going to require you providing an ample supply of credit, cash and documentable income to support the loan that you are seeking. Contrary to … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage comparison shopping, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, self-employed borrowers, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, sonoma county refinancing

The #1 mistake consumers make when getting a mortgage…

February 5, 2019 by Scott Sheldon

number 1 mistake when getting a mortgage

To apply for a mortgage, get approved and close escrow you must have some sense of urgency. Whether you are buying a home or refinancing a home, your mortgage application needs to … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgage rate quote, mortgages, preapproval to buy a home, qualify for a mortgage, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS

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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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