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Sonoma County Mortgages

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Sonoma County Mortgages is a part of New American Funding

New American Funding - NMLS #6606

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Refinance Mortgage Loans

Refinance Your Home with Sonoma County Mortgages

Get A Guaranteed Free Mortgage Rate Quote

As a homeowner, refinancing your home loan may or may not make sense. Lately you may have heard people refinancing due to low interest rates while this is true there are also other things to consider when deciding to complete a refinance:

  • Is debt consolidation an option?
  • Does the monthly savings justify costs associated with refinancing?
  • What does the interest savings over the life the loan look like?
  • Can you pay your house off faster by refinancing?

So how do you know the right time to refinance your home?

Here is a free mortgage loan calculator to get help you calculate and compare your current loan program to other available loan programs and rates available in the marketplace, so you can decide if refinancing make sense for you.

When you’re ready to begin your refinance, we can give you up front numbers so you can know you’re making the right financial choice. By completing an online mortgage rate quote or online prequalification form, we can give you loan options and interest rates so you can do your proper research.

Tell us the loan programs you’re interested in or let us suggest some loan programs for you based upon your financial situation. Choose from 30 year  to 15 year loans. We make the the researching phase easy so you can get a combination of the best possible loan terms with a competitive interest rate.

Decide on refinancing options:

  • Loan Term: 30 year fixed, maybe a 25 year fixed or even a 15 year fixed?
  • Discount Points: discount points versus no discount points cost/benefits?
  • Occupancy: primary residence, second home or investment property?

Many homeowners choose to refinance for good reasons. With today’s low mortgage rates you might be able to save money on your monthly mortgage payments. Home loan refinancing can also give you cash out to consolidate debts or even improve your credit rating. Maybe you have a first mortgage and a second mortgage on your property? Mortgage refinancing can help you consolidate your first and second mortgage into one new loan. Maybe you’re considering paying off your mortgage in full at some point? You can refinance your property into a shorter term loan to pay off your mortgage faster.

Whatever your reason and whenever you’re ready, Scott Sheldon can help you attain all the benefits of refinancing custom-tailored to your financial situation.

Refinancing Tips & Advice

Making Homes Affordable Program Harp 2 Refi

See How The Harp 2: Refinance Program works with No Loan To Value Restriction

Does It Make Sense To Refinance?

2 tests to determine if refinancing makes sense or not.

Discover the refinance loan process works from start to finish.

Use this free chart as guide to your refinance loan.

Why A Second Opinion Refinance Quote Is A Good Idea

Discover why receiving a second opinion refinance is the smartest choice.

Sonoma County Home Loan Refinance: A “How to Guide”

How to decide when to refinance your home.

When refinancing what’s more important? The lowest APR or the lowest interest rate?

Learn the truth the answer might surprise you.

The role second mortgages play in refinancing your home.

If you are going to be refinancing, and you have a second mortgage loan how that component works.

How to refinance your home without starting over at 30 years.

Yes it’s possible you can refinance without starting a new loan term.

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Location & Contact

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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