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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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These little nuances may affect your first-time buyer mortgage options

February 19, 2019 by Scott Sheldon

how the ppp loan may hurt your mortgage

Purchasing a house for the first time requires careful planning and consideration so you can make the right financial choice for you and your family. Here’s what you ought to consider when … [Read More…]

Filed Under: Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, 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

How much are closing costs when you purchase a house?

January 29, 2019 by Scott Sheldon

This FHA requirement might hurt your multi unit home buying chances

When you purchase a house, you have a down payment and closing that must be taken into consideration. Closing costs on a home purchase akin to tax, docs and licensing when you … [Read More…]

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

This change to FHA Loans might help you land a mortgage more easily

January 15, 2019 by Scott Sheldon

fha change to rental income to qualify

Fannie Mae and Freddie Mac have a very conservative calculation when it comes to using rental income to qualify. Here’s what you need to know if you’re getting an FHA mortgage and … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, cash out refinance, FHA Loans, how to buy sonoma county real estate, preapproval to buy a home, refinancing my mortgage, santa rosa fha loans, sonoma county home buying

5 quirky refinance scenarios that work

January 8, 2019 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

5 quirky refinance scenarios that work In the last few years mortgage lending guidelines have begun to loosen as the broader economy is stronger now that the recession has past. Following refinance … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, credit score, FHA Loans, home loan refinance, qualifying for a mortgage, Santa Rosa mortgages, sonoma county refinancing

Working two jobs is now easier to get a mortgage

January 2, 2019 by Scott Sheldon

working two job just got easier for a mortgage

Fannie Mae and Freddie Mac are starting to take a more balanced approach in the way they view mortgages. The change about self-employment income not hurting your W-2 income is one such … [Read More…]

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

How mortgage lender credits work

December 26, 2018 by Scott Sheldon

how mortgage lender credit work

How mortgage lender credits work with rates If you’re getting a mortgage or plan to be you might be working with a situation where a lender credit is needed. Here is what … [Read More…]

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

FHA Loan Limits for 2019 increase

December 17, 2018 by Scott Sheldon

How to use seller carry financing to purchase a house with less cash down

HUD recently announced the FHA Loan Limits for 2019 have been increased. This increase includes VA loan limits for both refinancing and home buying. These changes will represent more opportunity for families … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Purchase Mortgage Loans Questions and Answers Tagged With: mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

The most important things you need to know about securing a VA Mortgage

December 11, 2018 by Scott Sheldon

what to know when getting a va mortgage

VA financing is the best mortgage loan program by far for mortgage Borrowers. Here are some of the nuances about VA loans that you should know if you’re considering using a VA … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, mortgage rate quote, qualifying for a mortgage, refinancing, sonoma county refinancing

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

Popular Posts

Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

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

2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval

Why the purchase price in a real estate transaction should not be the single most important factor

Why the purchase price should not be the single most important factor

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

How to avoid getting a jumbo loan due to Coronavirus

Here are 2 mortgage process problems you will want to avoid

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

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to use seller carry financing to purchase a house with less cash down

Should you buy & build or buy a single family home?

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

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SonomaCountyMortgages.com

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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. 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.

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