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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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The factors that determine your loan fees

January 5, 2017 by Scott Sheldon

why your mortgage goals why not happen

Costs to secure your financing are a big factor when it comes time to getting a mortgage. Knowing why your loan costs (X) dollars is critical in being able to better understand … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Popular, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, home buying, home loan refinance, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, SONOMA COUNTY LOANS

How to get a mortgage for a manufactured home without mortgage insurance

December 23, 2016 by Scott Sheldon

mortgage for manufactured home

If you own a manufactured home, or if you are looking to purchase one, here is what you need to know when it comes to mortgage loan financing: Manufactured homes are not … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, home buying, Low Rates, manufactured homes, mortgage comparison shopping

One really smart move to best prepare for getting a mortgage

September 11, 2016 by Scott Sheldon

one smart move for getting a mortgage

Securing mortgage loan financing requires a laundry list of paperwork. Here’s a really simple tip you can take to the bank to make sure your process is easy while getting the best … [Read More…]

Filed Under: First Time Home Buyers, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Pre-Approval Tagged With: banks and credit unions, buying a house, buying your first home, cash out refinance, mortgage comparison shopping, mortgage loan comparison shopping, 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

How to evaluate buying a rental property

September 6, 2016 by Scott Sheldon

what to know about a mortgage 4506t

Buying a rental property can be very lucrative and sound financial vestment. Here’s how to determine whether not buying a rental property with financing makes sense. Location, location, location Location for the … [Read More…]

Filed Under: Interest Rates, Invesment Properties/Second Homes, Loan Programs, Loan Qualifying, Mortgage Shopping, Pre-Approval Tagged With: cap rate, home buying, how to buy a rental, loan programs, preapproval to buy a home, qualifying for a mortgage, rental property, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

Can you really afford the home? Here is what banks will not share

June 21, 2016 by Scott Sheldon

The new way to buy a house in Sonoma county

Just because the bank will let you buy more does not mean you should. Be a well informed home buyer by taking the following tips into consideration when making the big ticket … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Mortgage Tips & Advice, Pre-Approval Tagged With: home buying, how to buy a home, mortgages, santa rosa home loans

Is down payment assistance worth it to a buy a home?

June 6, 2016 by Scott Sheldon

THE REALITY OF DOWN PAYMENT ASSISTANCE

If you’re looking to buy a house with little or no cash your options may be limited. Here is what you need to know to get your foot in the door, successfully… … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers Tagged With: buying a house, buying your first home, down payment, down payment assistance, firs time home buyers, how to buy sonoma county real estate, loan programs

New underwriting guidelines coming June 25 may change your mortgage

April 28, 2016 by Scott Sheldon

ideal mortgage loan scenario

New changes coming to Fannie Mae’s automated underwriting system June 25 could change the way you get a mortgage. Here’s how… Fannie Mae has announced the way they look at credit is … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, buying your first home, cash out refinance, home buying, home loan refinance, how to buy sonoma county real estate, Low Rates, mortgage rate quote, mortgage underwriting

Buy a condo or a single family home?

April 8, 2016 by Scott Sheldon

buy a home or a condo

When the time homes to buy your first home, you will have options galore. Here’s how to decide if you should purchase a single-family home or a more affordable condominium unit. Undoubtedly, … [Read More…]

Filed Under: First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a home, buying a single fmaily house, condo vs house, first time home buyers, home buying, loan programs, sonoma county home buying

These ridiculous things could be needed to buy a home

March 27, 2016 by Scott Sheldon

These ridiculous things could be needed to buy a home

It is no secret getting approved for a mortgage loan requires a fair amount of paperwork. Here is what you should know if there if there is anything questionable in your past… … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: first time home buyers, home buying in Sonoma County, How to get preapproved, mortgage rates, Mortgage to buy a house

3 spots your down payment monies should not be

March 18, 2016 by Scott Sheldon

savings for down payment money

Buying home is probably the largest financial transaction you will ever do life. Where you store your down payment funds can mean difference between a smooth or dicey process… Buying a home … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Pre-Approval Tagged With: get qualified to buy a home, home buying, loans for buying a home, preapproval, sonoma county, Sonoma County first-time homebuyers, what to look for when buying a house

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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
...

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Why your income is your lifeline to finance a home

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New loan limits for 2020 makes getting a mortgage easier

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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

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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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