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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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Should you buy a fixer house?

February 6, 2016 by Scott Sheldon

Is the house in fair condition a good bet? Here are some things to consider if the affordable home you’re eyeing needs some work. The first thing to consider when buying a … [Read More…]

Filed Under: Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: buying a house, how to buy sonoma county real estate, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, santa rosa home buyer, sonoma county home buying

Should you pay off high interest debt first when getting a mortgage?

January 22, 2016 by Scott Sheldon

should you pay off high interest debt when getting a mortgage

How you plan and budget your finances can have a big affect on whether or not you can qualify for a home loan. Following is what you should know if you’re trying … [Read More…]

Filed Under: First Time Home Buyers, Invesment Properties/Second Homes, Loan Programs, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, buying your first home, home buying, how to buy sonoma county real estate, preapproval to buy a home, qualifying for a mortgage, santa rosa buying a house, sonoma county home buying

What to do if you need last year’s income tax returns to get a mortgage

January 13, 2016 by Scott Sheldon

number 1 mistake when getting a mortgage

How’s your income? This is the first of many questions a banker is going to ask when you apply for a home loan. Here is how tax returns play a role in … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Underwriting Guideline Updates Tagged With: mortgage rate quote, purchase real estate, qualify for a mortgage, qualifying for a mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County Mortgage Rates, sonoma county refinancing, tax returns

Axing The Car Lease May Help Your Home Buying Efforts

December 31, 2015 by Scott Sheldon

how a car loan can impede your sonoma county home buying plan

Obtaining financing to buy a home is undoubtedly a process of documenting, explaining and documenting some more.  Here is how a car lease can be a hurdle for home buying plan. Work-around … [Read More…]

Filed Under: Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, car loans, home loan refinance, qualifying for a mortgage, Santa Rosa mortgage

Can You Get Mortgage Financing For Manufactured Or Modular Homes? You May Be Surprised…

December 27, 2015 by Scott Sheldon

can you get a mortgage for a manufacturd or modular home?

Trying to get a loan for a mobile home? You may be surprised learn there is financing options available for non-single-family residence homes. What to know… Your property type holds all the … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, home buying, home loan refinance, mortgage lender, pre-approval to buy a home

Why Renting May Delay Your Home Buying Efforts

October 22, 2015 by Scott Sheldon

Renters everywhere are feeling the constraints of rising rents. Rising rents erodes your ability to save for the cash needed to buy a home. It becomes a catch 22 because the longer … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval Tagged With: first time home purchase, first-time homebuyers, landlords, rent affect savings plan, rental increases, Santa Rosa mortgages, sonoma county home buying

Can You Still Get A Mortgage With Bad Credit?

September 23, 2015 by Scott Sheldon

what to look for in a lender to buy a home

Looking for a bad credit mortgage loan? If your credit is not up to par, yes, you can still get a mortgage with hoop jumping. Believe it or not you may even … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Programs, Loan Qualifying, Pre-Approval Tagged With: bad credit, BAD CREDIT MORTGAGE, buying your first home, how can I buy a house in Santa Rosa with bad credit, sonoma county home buying, sonoma county refinancing

Does Improving Your Credit Score For A Mortgage Pencil Out?

September 7, 2015 by Scott Sheldon

Does Improving Your Credit Score For A Mortgage Pencil Out?

Credit is the biggest hot button topic in mortgage lending by far. Most would probably agree, any time you can raise your credit score to improve your mortgage scenario, take advantage of … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, credit score, loan programs, sonoma county home buying, SONOMA COUNTY LOANS

Why Cash Is king In Real Estate Negotiation

August 28, 2015 by Scott Sheldon

Why Cash Is king In Real Estate Negotiation

It is no surprise there is significantly more demand for housing than there is enough supply creating intense competition. If you’re pre-approved and home hunting, here’s what you need to know if … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: all-cash offers, how to buy sonoma county real estate, sonoma county home buying, Sonoma County Mortgage Rates

How Solid Is Your Loan Pre-Approval?

July 30, 2015 by Scott Sheldon

If you hear a lender toting they can preapprove you in just a few minutes, stop and run in the other direction- fast. A real pre approval is much more than a … [Read More…]

Filed Under: Loan Programs, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, Credit Markets, credit score, FHA mortgage, home buying, home buying in Sonoma County, pre-approval, shopping mortgage rates, SONOMA COUNTY LOANS

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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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