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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 Buying A Home Will Make You More Credit Worthy

June 5, 2015 by Scott Sheldon

How Buying A Home Will Make You More Credit Worthy

If you have never owned a home before or it’s been a few years since you have, you’re missing out on credit advantages. That’s right, when you buy a home you automatically … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Pre-Approval Tagged With: credit scores, hhow to get a mortgage with a lower credit score, mortgage credit score for first-time buyer, Sonoma County first-time buyer bad credit, tthis buying a home makes sense

How To Land A Mortgage Post Loan Modification

April 24, 2015 by Scott Sheldon

If you completed a loan modification in the past, you’ll need to meet certain credit thresholds to get a green light for a new loan. What to know… What Is A Loan … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, home buying in Sonoma County, loan programs, mortgage after loan modification, qualifying for a mortgage

When Saving Up For A Big Down Payment Does Not Make Sense

April 16, 2015 by Scott Sheldon

Saving up to buy a home down the road? That might make sense from a personal financial planning perspective, but from a pragmatic approach to actually getting your foot in the door … [Read More…]

Filed Under: First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, how much should I plan for down payment, how to buy sonoma county real estate, sonoma county home buying

3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door

April 9, 2015 by Scott Sheldon

Demand for housing remains strong as we enter this spring season. Renters are finding buying a home may even in some cases be less than renting. If you don’t have a lot … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval Tagged With: buying a house, FHA mortgage, first time home buyers, home buying, how to buy sonoma county real estate, loan programs, Santa Rosa mortgages, sonoma county home buying

Should I Put More Money Down Or Pay Off Debt To Buy A Home?

March 29, 2015 by Scott Sheldon

Lining up your finances for a home purchase this year? Spring is right around the corner. Here’s how to gauge if you should put more money down, or pay off debt to … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, down payment, home buying, how to buy sonoma county real estate, mortgage comparison shopping, mortgage lender, sonoma county home buying

Does My Loan Type Hurt My Credit Score?

February 28, 2015 by Scott Sheldon

Does Improving Your Credit Score For A Mortgage Pencil Out?

Future favorable financing deals, low rates and preferred credit offerings all will be available depending on how well you manage the grandaddy credit type: a mortgage loan. Generally, when you take out … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, credit score, FHA Loans, Harp 2 Refinance Program, loan programs, shopping mortgage rates

5 Simple Reasons You Are Being Denied A Mortgage

February 21, 2015 by Scott Sheldon

Strange things that will stop your mortgage

Gearing up to refinance or buy a home this year?  These five nuances may stop your financial plans dead in the tracks. Here’s what to know to avoid your mortgage loan application … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, home loan refinance, how to buy sonoma county real estate, Santa Rosa mortgages

Is Buying A Short Sale Property Still Worthwhile?

December 28, 2014 by Scott Sheldon

Talk to anyone who has dabbled in the real estate recent years and they will almost certainly have an opinion on short sales. Though not as common anymore, homeowners short selling their … [Read More…]

Filed Under: First Time Home Buyers, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, how to buy a short sale house, qualifying for a mortgage, short sales

Are You Sure Renting Still Makes Sense?

December 7, 2014 by Scott Sheldon

Many millions of consumers who either previously owned a home or have never owned a home before  are all too familiar with the financial drain renting poses. Here’s four renting realities consumers … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval Tagged With: buying a house, buying your first home, first time buyer, preapproval to buy a home, sonoma county home buying

Quirky Mortgage Borrowers Are Still Getting Loans

November 30, 2014 by Scott Sheldon

Had a previous bad credit event? Don’t have two years in the same field? Income not three times your proposed payment? Fear not, when your financial picture doesn’t fit the box, here’s … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval, Underwriting Guideline Updates Tagged With: BAD CREDIT MORTGAGE, buying a house, conventional mortgages, mortgage broker, mortgages

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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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