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Sonoma County Mortgages

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Refinance Loans Questions and Answers

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

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

Why an FHA loan may be a suitable choice

April 28, 2017 by Scott Sheldon

Mortgage Word Cloud Art

 FHA loans have gotten a bad rap in the last few years. Here is the Granddaddy Truth about FHA loans, you should really consider if you are looking for mortgage options! FHA … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Refinance Loans Questions and Answers, Uncategorized Tagged With: 2017 FHA Loan Limits, best mortgage, buying a home, buying a single fmaily house, CA home buying, compare mortgages, Conventional, conventional loans, conventional mortgages, FHA, FHA 3.5%, FHA home loans, FHA mortgage, FHA preapproval, fha refinance, FHA refinancing

Strange things that will stop your mortgage application

April 19, 2017 by Scott Sheldon

Strange things that will stop your mortgage

  If you are trying to get a mortgage, or have tried in the past, you know the process is detailed and very paperwork heavy. The following is what you should know … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Loan Programs, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Uncategorized Tagged With: buying your first home, FHA Loans, how to buy sonoma county real estate, mortgage comparison shopping

Is a 50 year mortgage a good move?

March 16, 2017 by Scott Sheldon

why your mortgage goals why not happen

Are you looking to afford a mortgage? A 50 year mortgage may be an option, but here are some things to consider when looking at a long mortgage term. These loans are … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a home, CA home buying, Conventional, FHA home loans, first time home purchase, home loan process, mortgage banks, mortgage lender, mortgage loan, purchase loans, Sonoma County home loans

Can I Refinance My FHA Loan?

February 10, 2015 by Scott Sheldon

auto loan payment to income for a mortgage

Yes, in fact if you took out an FHA mortgage in 2013 or 2014, your mortgage insurance premium on an annualized basis was likely upwards of 1.3% of your loan amount driving … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: mortgage rate quote, qualify for a mortgage, sonoma county refinancing

Do I Need To Provide Bank Statements For Getting A Sonoma County Loan?

January 21, 2015 by Scott Sheldon

Yes, lenders will need full supporting documentation showing cash to close and/or savings in the bank necessary for qualifying on whichever loan program you are working with. Expect lenders to require at … [Read More…]

Filed Under: Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a house, loan programs, qualifying for a mortgage, Santa Rosa mortgages, sonoma county refinancing

FHA Mortgage Insurance Premiums Now .85%

January 15, 2015 by Scott Sheldon

The mortgage insurance premiums on FHA loans has now been reduced .85%. This represent more borrowing ability for mortgage consumers looking to purchase or refinance their homes. On a loan of $300,000 … [Read More…]

Filed Under: Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers

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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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