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Sonoma County Mortgages

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Purchase Mortgage Loans Questions and Answers

FHA Mortgage Insurance Premiums reduced by 30 basis points-what this means for consumers

March 5, 2023 by Scott Sheldon

For folks looking to purchase or refinance a home with the FHA Loan, the Federal Housing Administration has just announced a reduction to their private mortgage insurance premiums by 30 basis points. … [Read More…]

Filed Under: Pre-Approval, Purchase Mortgage Loans Questions and Answers, Uncategorized Tagged With: 2017 FHA Loan Limits, FHA, fha home loan, FHA home loans, FHA loans to buy a house, FHA mortgage, fha mortgages with student loans, FHA preapproval

Can you get a mortgage with bad credit?

January 9, 2020 by Scott Sheldon

Can you get a mortgage with bad credit?

Many mortgage companies along with the internet would have you believe getting a mortgage with bad credit cannot happen. It is true the process will be more difficult and challenging, but it … [Read More…]

Filed Under: Credit Score Questions and Answers, First Time Home Buyers, Jumbo Loans, Mortgage Shopping, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Video Tagged With: can I buy a house with bad credit, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

Here are 2 mortgage process problems you will want to avoid

July 28, 2019 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

Securing mortgage loan financing is the cornerstone of financial prosperity in America. It’s one of the biggest decisions you’ll ever take on your life. Here’s watch to avoid when applying for a … [Read More…]

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 Tagged With: BAD CREDIT MORTGAGE, buying a house, FHA home loans, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, sonoma county refinancing

FHA Loan Limits for 2019 increase

December 17, 2018 by Scott Sheldon

How to use seller carry financing to purchase a house with less cash down

HUD recently announced the FHA Loan Limits for 2019 have been increased. This increase includes VA loan limits for both refinancing and home buying. These changes will represent more opportunity for families … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Purchase Mortgage Loans Questions and Answers Tagged With: 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

These two factors drive your mortgage cost

September 19, 2017 by sonomacountym

bank statement program for getting a mortgage

These two factors have the biggest influence on the cost of your mortgage. There are two things can change the cost of your mortgage when buying or refinance a home more than … [Read More…]

Filed Under: First Time Home Buyers, Pre-Approval, Purchase Mortgage Loans Questions and Answers Tagged With: buying a house, cash out refinance, how to buy sonoma county real estate, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

Is the end near for Dodd Frank?

June 14, 2017 by Scott Sheldon

is the end near for dodd frank

Dodd Frank is the financial overhaul that took place a couple of years ago in the aftermath of the financial crisis. The House of Representatives on Thursday, June 18, are advancing a … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, dodd frank, mortgage comparison shopping, mortgage rate quote

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

Tax Forms and Tax Losses

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

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Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
2455 Bennett Valley Road C107
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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