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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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How to buy a home when you have one to sell first

May 30, 2017 by Scott Sheldon

How to buy a home when you have one to sell first

Purchasing a home can be tricky if you have a home to sell first. For many, the opportunity to purchase a new home can only come from the sale of the home … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Uncategorized Tagged With: banks and credit unions, buying a house, buying your first home, cash out refinance, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home

Tax return losses may hurt your mortgage chances

May 23, 2017 by Scott Sheldon

Qualifying for a mortgage involves: an acceptable credit score, sufficient assets and stable income. These are to show you can support a mortgage payment, plus other liabilities. You must have a balance … [Read More…]

Filed Under: First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Uncategorized Tagged With: buying a home, buying your first home, CA home buying, cash out refinance, Conventional, conventional loans, conventional mortgages, FHA, FHA home loans, FHA Loans, FHA mortgages, FHA refinancing, firs time home buyers, home loan refinance, No Cash Out Refinance, Santa Rosa refinancing, Tax, tax returns, Taxes

How to remove private mortgage insurance

May 16, 2017 by Scott Sheldon

why waiting for lower rates is a bad idea

There is too much information circling around the internet, about how to remove mortgage insurance from your monthly mortgage payment. Unfortunately, it is not as simple as having 20% home equity either. … [Read More…]

Filed Under: Credit Score Info, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, conventional mortgages, FHA Loans, home loan refinance, mortgage comparison shopping, pmi, Remove Pmi, SONOMA COUNTY LOANS

Here is the lowest credit score you need to get a mortgage

May 5, 2017 by Scott Sheldon

lowest credit score to get a mortgage

Contrary to what you may hear or read, your credit does not have to be stellar to get a mortgage. Most banks and lenders require at least a 640 credit score. However, … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, FHA mortgage, Low credit score loans, sonoma county home buying

Why an FHA loan may be a suitable choice

April 28, 2017 by Scott Sheldon

Why your income is your lifeline to finance a home

 FHA loans have gotten a bad rap in the last few years. Here is the Granddaddy Truth about FHA loans, you should really consider if you are looking for mortgage options! FHA … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Refinance Loans Questions and Answers, Uncategorized Tagged With: 2017 FHA Loan Limits, best mortgage, buying a home, buying a single fmaily house, CA home buying, compare mortgages, Conventional, conventional loans, conventional mortgages, FHA, FHA 3.5%, FHA home loans, FHA mortgage, FHA preapproval, fha refinance, FHA refinancing

Why you cannot opt out of title insurance when getting a mortgage

April 21, 2017 by Scott Sheldon

why you cannot opt out of title insurance

If you are like most consumers, you want to have a clear understanding of the fees associated with a mortgage. The closing process, lender fees, title fees, etc. This is so you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, FHA Loans, Harp 2 Refinance Program, home buying, mortgages, preapproval to buy a home, sonoma county refinancing

Strange things that will stop your mortgage application

April 19, 2017 by Scott Sheldon

Strange things that will stop your mortgage

  If you are trying to get a mortgage, or have tried in the past, you know the process is detailed and very paperwork heavy. The following is what you should know … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Loan Programs, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Uncategorized Tagged With: buying your first home, FHA Loans, how to buy sonoma county real estate, mortgage comparison shopping

Why there are no “Maybe Loans” in today’s lending world

April 3, 2017 by Scott Sheldon

why there are no maybe loans in todays market

Are you trying to qualify for mortgage financing? Giving a “scenario” to a lender without actually providing thorough financials and pulling credit is a recipe for disappointment. Here is what you really … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: CA home buying, credit score, mortgage, mortgage lender, Petaluma mortgage broker, real estate financing

Going backwards trying to save for a home?

March 23, 2017 by Scott Sheldon

How to get a mortgage if you've been furloughed to do to COVID_19

  Do you need help saving to buy a house? What you think you need and what you actually need may not be the same. Here is what you should know when … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: best mortgage, buying a home, buying a home with mortgage financing, buying a single fmaily house, buying second home, buying your first home, CA home buying, common mortgage mistake, Conventional, conventional mortgages, down payment, down payment assistance, down payment eligibility, Downpayment, FHA home loans, firs time home buyers, first time home purchase, how much down payment to buy a home, how to buy a home with low down payment, mortgag, primary home down payment funds, purchase real estate, santa rosa buying a house, Santa Rosa homebuying, sonoma county home buying

Is a 50 year mortgage a good move?

March 16, 2017 by Scott Sheldon

why your mortgage goals why not happen

Are you looking to afford a mortgage? A 50 year mortgage may be an option, but here are some things to consider when looking at a long mortgage term. These loans are … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a home, CA home buying, Conventional, FHA home loans, first time home purchase, home loan process, mortgage banks, mortgage lender, mortgage loan, purchase loans, Sonoma County home loans

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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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