The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Understanding FHA Home Loans

By Scott Sheldon / November 13, 2010

The two types of loans offered by a local mortgage lenders are conventional loans and FHA Home Loans. We are going to be discussing FHA insured loans and some of the changes the Federal housing finance agency has put into place for local lender financing. As a local Santa Rosa mortgage lender, I can offer…

Mortgage After Short Sale or Foreclosure

By Scott Sheldon / October 17, 2010

One of the things I am doing for folks who have been victims of this real estate market is helping them get back in shape to purchase a home in two to three years. Lots of people obtained purchase mortgage loans in 2004-2007. Many people have lost their homes and now they will need a…