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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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3 reasons you should not buy a home

September 10, 2018 by Scott Sheldon

why you should not buy a home

With the average price house in Sonoma County being $640,000 many probably would want to purchase a house however wanting to purchase a house and being able to do it are two … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgage rate quote, preapproval to buy a home, purchase real estate, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS

3 quirky issues that will hurt your mortgage

September 5, 2018 by Scott Sheldon

4 common home buyer mistakes to avoid

Getting a mortgage loan in 2018 is still a very bureaucratic and compliant process. People getting mortgages today are still paying for the sins of borrowers’ past. Here are some things to … [Read More…]

Filed Under: Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

6 common home buyer mistakes to avoid when purchasing a home

August 20, 2018 by Scott Sheldon

4 common home buyer mistakes to avoid

Purchasing a house Sonoma County is easier now more than ever. However, with the average-priced house penciling in at $700,000 purchasing a house is going to require careful planning to put your … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping Tagged With: home buying in Sonoma County, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgage, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

How 1031 tax-deferred exchanges work

August 14, 2018 by Scott Sheldon

first time buyer mortgages

A 1031 tax-deferred exchange is a deferred exchange in the gain of an investment property used to acquire another investment property. Make no mistake this is a deferment where you’re kicking the … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: 1031 exchange, mortgage rate quote, mortgages, preapproval to buy a home, qualifying for a mortgage, rental property, sonoma county home buying

How to transfer property to family and still be protected under Prop 13

August 7, 2018 by Scott Sheldon

how to transfer property under prop 13

Proposition 13 was enacted in 1978 by voters to limit the amount of property-taxes the homeowner pays. Prop 13 protect your property taxes from increasing by more than 2% per year. It … [Read More…]

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

Why your mortgage payment keeps changing

August 2, 2018 by Scott Sheldon

why your mortgage payment keeps changing

Why your mortgage payment keeps changing. Consumers are often given little explanation by their bank on why their payments are due to a different company. When you take out a mortgage here’s … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Uncategorized Tagged With: qualifying for a mortgage, refinancing my mortgage, sonoma county home buying, Sonoma County Mortgage Rates, sonoma county refinancing

Mortgage inquiry make your credit score drop? Not so fast….

July 25, 2018 by Scott Sheldon

the credit score it takes to get a mortgage

Mortgage loan officers hear daily from consumers they don’t want their credit score pulled because they’re worried about their credit score dropping. Unfortunately, the internet is full of information providing an over abundance of … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice, Uncategorized Tagged With: 580 credit score mortgage to buy a home, credit score for mortgage, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages

How much of your income should go towards a mortgage payment?

July 17, 2018 by Scott Sheldon

How much of your income should go towards a mortgage payment

One of the challenges home buyers face when purchasing a house for the first time is of their income should go towards a mortgage payment. This number varies greatly and just because … [Read More…]

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

5 credit mistakes to avoid when getting a mortgage

July 10, 2018 by Scott Sheldon

5 credit mistakes to avoid when getting a mortgage

You need to be on top of your game when getting a home loan. Your credit score is an integral part of being able to purchase a house or refinance a house. … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Uncategorized Tagged With: mortgage rate quote, mortgages, preapproval to buy a home, sonoma county home buying, SONOMA COUNTY LOANS

What to look for in a mortgage lender when buying a home

July 3, 2018 by Scott Sheldon

what to look for in a lender to buy a home

Contrary to widespread belief not all mortgage companies work the same. Buying a house is generally thought of as the most important financial transaction of your life and as such should be … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, home buying, mortgage lender, Santa Rosa mortgage, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

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Location & Contact

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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