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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 Without 20% Down And No Mortgage Insurance

November 23, 2014 by Scott Sheldon

expecation every home buyer should have

The days of needing 20% down to buy a home are long gone. To compensate, lenders charge private mortgage insurance as means to offset risk, driving up would-be borrowers’ mortgage payments. Here’s … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: buy a house without 20% down, how mortgage insurance works, mortgage insurance, pmi

How The Size Of Your Mortgage Is Impacted By Your Credit Score

September 1, 2014 by Scott Sheldon

Looking to finance larger loan size? If you plan on being in the market for a mortgage loan $417,000 or larger, your credit score along with your equity will play an important … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

Your Deferred Student Loan May Impact Your Mortgage Chances

August 24, 2014 by Scott Sheldon

The cost of your educational isn’t just interest you pay on student loans, no, in fact, an ulterior cost also lurks in the mix, mortgage ineligibility. A deferred student loan usually be … [Read More…]

Filed Under: Mortgage Tips & Advice, Pre-Approval

How Much Skin In The Game To Buy A House

August 17, 2014 by Scott Sheldon

first time home buyer researching

Looking to get your foot in the door? If you’re tired of paying someone else’s mortgage, now may be the time to pursue the American dream of homeownership. In fact, you need … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval

How To Buy A Home By Refinancing Another

August 10, 2014 by Scott Sheldon

An important home buying hurdle you’ll need to over is the relationship between the proposed new housing payment and current liabilities against your monthly pre-tax income. The payment to income ratio on … [Read More…]

Filed Under: Loan Qualifying, Mortgage Tips & Advice, Pre-Approval

Lenders Tightening The Screws On Short Sale Borrowers

July 27, 2014 by Scott Sheldon

Are you one of the millions of homeowners who short sold a house in the last few years? If yes, you’ll now be waiting a little while longer for your second chance. … [Read More…]

Filed Under: Credit Score Info, Mortgage Tips & Advice, Pre-Approval

Buying A Home In A Competitive Real Estate Market? Tips To Increase Your Odds

June 29, 2014 by Scott Sheldon

Demand for real estate is prevalent is many markets across the country, one of the challenges that inevitably  follows suit, is a particularly competitive real estate climate. All cash offers, offers going … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval

How To Avoid Monthly PMI With Less Than 20% Down

June 21, 2014 by Scott Sheldon

Buying a primary home?  The 20% down rule is yesterday’s news. More down payment options exist, including both government and private sector alternatives, allowing more flexible choices. Don’t be fooled however, as … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Pre-Approval

Why Your Second Job May Not Cut It For A Mortgage

May 4, 2014 by Scott Sheldon

You have a great credit score, manageable debts, solid income even have cash ready to go, but you still can’t a mortgage. Want a lender to count your second job income? Know … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: mortgage lender, qualify for a mortgage, second job, sonoma county refinancing

Big Shoes To Fill With FHA's Back To Work Program

April 7, 2014 by Scott Sheldon

what you need to know about private mortgage insurane

Announced in 2013, the FHA Back To Work Program allows  a buyer repurchase a primary home again just 12 months after a foreclosure, short sale or a deed in lieu of foreclosure. … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval, Underwriting Guideline Updates

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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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