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Sonoma County Mortgages

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Underwriting Guideline Updates

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

This Employee Tax Deduction Could Kill Your Mortgage Eligibility

February 9, 2015 by Scott Sheldon

You may want to rethink taking those extra deductions to minimize your tax liability this year if you plan to get a mortgage. Writing off expenses you incur as a W-2 employee … [Read More…]

Filed Under: Loan Qualifying, Underwriting Guideline Updates Tagged With: Credit Markets, how to buy sonoma county real estate, investment risk, mortgage rate quote, Santa Rosa mortgage, shopping mortgage rates

Why Some Aspects Of Today's Lending Still Do Not Make Sense

February 2, 2015 by Scott Sheldon

Banks want you to believe getting a these days is easier and that may be case if, you’re financial house is in order. Here is what you need to know about how … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Underwriting Guideline Updates Tagged With: buying a house, mortgage comparison shopping, mortgage loan comparison shopping, mortgage rate quote, purchase real estate, sonoma county refinancing

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

6 Actions To Make Your Credit Score Mortgage Worthy

August 4, 2014 by Scott Sheldon

If you have been turned down for a mortgage or quoted rates and fees that seem too high, you may have some homework ahead. The minimum credit score to land a mortgage … [Read More…]

Filed Under: Credit Score Info, Mortgage Tips & Advice, Underwriting Guideline Updates

Loophole To Show More Income When Buying A Home

April 13, 2014 by Scott Sheldon

Buying can be considered simplistic, in a broad sense, income is used to offset a mortgage payment (a liability). One of the biggest obstacles home buyers will continually face despite market swings … [Read More…]

Filed Under: Loan Qualifying, Underwriting Guideline Updates

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

5 Tips For Getting A Mortgage To Buy A Condo

March 10, 2014 by Scott Sheldon

Condominiums make an affordable alternative to purchasing a single-family home. As prices continue to rise in Sonoma County and Santa Rosa, purchasing a lower-priced condo makes for an attractive choice in pursuing … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Underwriting Guideline Updates

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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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