Sonoma County Mortgages

All financing provided by New American Funding

(707) 217-4000 | Prequalify Now
  • Home
  • Purchase
    • How Much Down Payment To Buy A Home?
    • How Much Income You Need To Buy A Home
    • How Much Should I Save For Buying A Home?
      • How Rates Affect Payment
    • No PMI Mortgages
    • FHA Loans
    • Sonoma County Disaster Loans
    • Jumbo Loans
  • Refinance
    • Mortgage Rates
    • Does It Make Sense To Refinance?
      • Get Your Refi Paperwork In Order
    • How To Pay Off Your Loan Faster
    • How To Remove PMI
    • How Lenders Price & Quote Loans
  • Loan Programs
  • Payment Calculator
    • Mortgage Affordability Calculator
  • Blog
  • Videos
  • 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.

Get Your Latest Rate Quote Now!

Why your income is your lifeline to finance a home

January 23, 2020 by Scott Sheldon

Why your income is your lifeline to finance a home

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

New loan limits for 2020 makes getting a mortgage easier

December 1, 2019 by Scott Sheldon

2020 Conforming Loan Limits Increaase

The Federal Housing Finance Agency which oversees loans bought by Fannie Mae and Freddie Mac announced to change to the conforming loan limit last week. Here’s what the change means for you… … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, buying your first home, mortgage rate quote, preapproval to buy a home, 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

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

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

why your mortgage goals why not happen

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

  • 1
  • 2
  • 3
  • …
  • 22
  • Next Page »

SCM on Zillow

Zillow Reviews for Scott Sheldon, New American Funding

SCM on Facebook

SonomaCountyMortgages.com

Location & Contact

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
1450 Neotomas Ave Suite 115
Santa Rosa, CA 95405
1-707-217-4000
Email Us!

Copyright 2019 SonomaCountyMortgages.com · About Us · Sonoma County Loans · Privacy Policy · Terms Of Use · Legal · Site Map

NMLS Consumer Access © New American Funding. All rights Reserved. NMLS ID#6606.
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.

State Licensing | Privacy | Terms of Use | Electronic Consent Agreement

Connect With Scott In Your Inbox

Looking for a home? Real estate insider? Get connected with Senior Loan Officer Scott Sheldon. Scott stays updated on the latest in the mortgage industry, so you can stay updated with him!