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Sonoma County Mortgages

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Posts

  • *Mortgage Tip: How To Get Best Rates For Jumbo Loans
  • "Bank Mortgage Rates" Petaluma
  • #1 Worst Mistake Consumers Make When Taking Out A Mortgage, Surprising Answer
  • $72,000 Income: How Much House Payment Can I Qualify For?
  • 10 Credit Score Loan Blunders Consumers Don't Know About
  • 10 tried and true ways you could hurt your home loan
  • 100% Financing Is Available With USDA Home Loans
  • 15 Year Fixed Rate Mortgages Are HOT!
  • 2 Most Crucial Factors For Securing A Low Mortgage Rate
  • 2 simple reasons why your mortgage might not show up on your credit report
  • 2 things to watch for buying a house in 2018
  • 20% Equity In Your Home: What It Means If You Have It
  • 2017 Loan Limits Change Makes It Easier To Get A Mortgage
  • 2019 Conforming Loan Limits Rise
  • 2022 conventional, FHA, VA, loan limits now rise
  • 2023 Confirming Loan Limit Rise
  • 3 creative ways to come up with a down payment
  • 3 Credit Scores No Longer Necessary For Mortgage Lending
  • 3 elements you must have in your financial life to buy a home
  • 3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door
  • 3 pricey mortgage loan scenarios to watch for
  • 3 quirky issues that will hurt your mortgage
  • 3 Real No Income, No Appraisal, No Debt Ratio Loan Programs To Know About
  • 3 reasons you should not buy a home
  • 3 solid reasons why the best time to buy a home is towards the end of the year
  • 3 spots your down payment monies should not be
  • 3 things to know that make your mortgage difficult
  • 3 things you must have for a mortgage loan
  • 3 Things You Unequivocally Must Have To Buy A Home
  • 3 things you will never hear from a big internet mortgage lender
  • 3 things you will not like about today’s mortgage process
  • 3 ways that will prevent you from getting a mortgage
  • 30 Year Mortgage Rates At 3.25%? Hmmm Not So Fast Cowboy!
  • 4 common home buying mistakes to avoid
  • 4 proven ways real estate will make your wealthier
  • 4 Things Banks Won’t Tell You About Mortgages
  • 4% Mortgage Rate, Not Today
  • 5 credit mistakes to avoid when getting a mortgage
  • 5 Factors To Think About When Refinancing
  • 5 Flexible Ways To Come Up With A Down Payment
  • 5 Frequent Credit Mistakes Mortgage Shoppers Should Pay Attention To
  • 5 Important Things To Consider When Refinancing To A Fixed Rate Mortgage
  • 5 Income Sources You Can't Count Against A Mortgage
  • 5 quirky refinance scenarios that work
  • 5 reasons you will not be able to buy a house in Sonoma county
  • 5 reasons you’re not ready to buy a home
  • 5 Simple Reasons You Are Being Denied A Mortgage
  • 5 things to avoid after you sign a purchase contract to buy a home
  • 5 Tips For Getting A Mortgage To Buy A Condo
  • 5 Ways To Buy A Home
  • 5 ways you will not get a home loan to buy a home
  • 6 Actions To Make Your Credit Score Mortgage Worthy
  • 6 common home buyer mistakes to avoid when purchasing a home
  • 6 common mortgage loan scenarios you cannot circumnavigate
  • 6 people whose mortgage and housing advice ought to be taken with a grain of salt
  • 6 questions every lender will ask
  • 6 Reasons To Buy Income Property Now!
  • 640 is the Magic Credit Score For Getting A Mortgage Loan These Days
  • 8 common mortgage misconceptions most consumers ask about
  • All about FHA Loans for 2020 and beyond
  • All About The Obama Refinance Program
  • Another lender is asking me for my business tax returns, including my K-1's and 1120's, is this normal?
  • Are Credit Reporting Services Accurate For Getting A Mortgage?
  • Are Home Appraisals Transferable To Another Mortgage Company?
  • Are There Any More First Time Home Buyer Loans?
  • Are there any no down payment loans for home buying any more?
  • Are There Any Petaluma Mortgages For Loan Sizes Over $520,950?
  • Are there really no houses available for home buying?
  • Are we in a housing bubble?
  • Are you a physician? Getting a mortgage just got easier…
  • Are you Self employed having a tough time getting a mortgage?
  • Are you self-employed and having a tough time getting a mortgage?
  • Are You Sure Renting Still Makes Sense?
  • Authorized User Credit Accounts Can Be Loan Catch 22
  • Avoid These Mortgage Mistakes When Filing Your 2013 Tax Return
  • Axing The Car Lease May Help Your Home Buying Efforts
  • Bad Credit Mortgage? Hello Government Loan
  • Be careful getting a mortgage if you have a bankruptcy
  • Be careful going into forbearance
  • Be wary about paying off this type of debt when getting a home mortgage
  • Best Loan Choices For Remodeling Your Sonoma County Home
  • Best Mortgage Rate Quote Vs. Locked Rate
  • Best Mortgage Updates For October 1, 2011
  • Beware Of "Advertised" Mortgage Rates
  • Big Shoes To Fill With FHA's Back To Work Program
  • BiWeekly Mortgage Payments Save You Money
  • Borrowing a down payment to buy a home? Watch our for these two retirement accounts
  • Buy a condo or a single family home?
  • Buy a house now or should I wait?
  • Buy A House Without 20% Down
  • Buying A Home In A Competitive Real Estate Market? Tips To Increase Your Odds
  • Buying A Home Or Refinancing A Mortgage: Same Guidelines Apply
  • Buying A House Even If You Are Underwater
  • Buying A House: What To Expect
  • Buying a house? Expect multiple offers
  • Buying A House? How To Hedge Against Higher Rates
  • Buying a piece of land and put a home on it
  • Buying A Sonoma County Fixer? What You'll Need To Be Aware Of
  • Buying New: What You Must Know About The Builder's Mortgage Lender
  • Buying Your First Home
  • Can I buy a house 1 year after a short sale?
  • Can I buy a house if I have a rental late payment?
  • Can I Buy A House With Bad Credit? You Bet!
  • Can I Buy A House With Late Rent Payment On My Record?
  • Can I choose my own appraiser for my mortgage loan?
  • Can I Get A Mortgage With Limited Or No Supporting Financial Documentation?
  • Can I get pre-approved without having my credit ran?
  • Can I have two FHA Loans out at the same time?
  • Can I purchase an investment property with less than 20% down?
  • Can I Refinance My FHA Loan?
  • Can I roll the fees into my loan when buying real estate?
  • Can you benefit from an adjustable rate mortgage?
  • Can You Borrow A Down Payment To Buy A Home ?
  • Can you buy a house with no credit?
  • Can you get a mortgage for a manufactured home?
  • Can you get a mortgage if you are furloughed?
  • Can you get a mortgage if your loan is in forbearance?
  • Can you get a mortgage with a brand new job or a recent raise?
  • Can you get a mortgage with bad credit?
  • Can You Get A Seller Credit For Closing Costs Anymore?
  • Can you get a USDA loan anymore?
  • Can You Get Mortgage Financing For Manufactured Or Modular Homes? You May Be Surprised…
  • Can you realistically buy a home with no money down?
  • Can you really afford the home? Here is what banks will not share
  • Can You Still Get A Mortgage With Bad Credit?
  • Can you use my credit report for a loan?
  • Can you use roommate income to get a mortgage?
  • Carrying A Rental Property May Hurt Your Mortgage Chances
  • Common Credit Score Mistakes Consumers Make When Getting A Mortgage: Tips To Avoid Them
  • Common questions on financed pmi mortgage loans
  • Common reasons buyers give to not buy a home
  • Comparing Mortgage Rates In Sonoma County
  • Comparing Mortgages: Why Typical Rate Shopping Is Subjective
  • Considering Home Buying: Is There A Simple Way To Determine A Payment?
  • Conventional Loan Post Short Sale? Ominious Credit Reporting Trick To Watch For
  • Conventional Mortgage Loan Updates
  • Conventional mortgages with less than a 620 credit score? Yep it’s real
  • Could the 30 year fixed mortgage get to 3%?
  • Could there be a real estate market crash
  • Counter Mortgage Loan Approval Is Sign You Have The Right Lender Working For You
  • Covet 19 should you be buying a house right now?
  • COVID_19 How a mortgage forbearance works
  • Credit Score For Getting A Home Loan: 800 Is Not Necessary
  • Current Conforming Loan Limits Supports No Change Comes Spring 2014
  • Current Mortgage Rates For Santa Rosa
  • Dealing With A Low Appraisal On A Purchase Transaction Part 1
  • Dealing With A Low Appraisal On A Sonoma County Refinance Loan Part 2
  • Delayed Financing Rule: A Cash-Out Refinance With No Wait Time
  • Did you know the credit score you need to get a mortgage is less than 600?
  • Did Your Adjustable Rate Mortgage Reset? Directions to Mortgage Payment Clarity
  • Discharge A House In Bankrupcty? Not So Fast If You Want A Loan
  • Do FHA Streamline Refinances Make Sense?
  • Do I Need To Provide Bank Statements For Getting A Sonoma County Loan?
  • Do I really need to get a second pre-approval when buying a house?
  • Do I really skip a mortgage payment when refinancing my home?
  • Do Tax Losses On Closed Business Hurt My Chances To Qualify For A Mortgage?
  • Does Improving Your Credit Score For A Mortgage Pencil Out?
  • Does It Make Sense To Raise My Credit Score For A Better Interest Rate?
  • Does It Make Sense To Refinance?
  • Does monthly mortgage insurance last for the life of the loan?
  • Does My Loan Type Hurt My Credit Score?
  • Does the Federal Reserve make mortgage rates go up or down?
  • Does waiting for the right time to buy a home make economic sense?
  • Does your credit score really drop when applying for a mortgage?
  • Does your mortgage lender know how to do purchase business?
  • Doing A Cash Out Refinance: Why Do I Have To Close My Accounts?
  • Don’t be an “I don’t want to waste your time” mortgage consumer
  • Don’t be the “I don’t want to waste your time” consumer
  • Don’t make this common 401K home buying mistake
  • Don’t make this home buying when negotiating the purchase price of a house
  • Don't Get Burned By Mortgage Rate Locks!
  • Duplex Loans, 2-4 Unit Financing…Explained
  • Escrows & Impounds – The Bottom Line
  • Expectations home buyers should have in today’s mortgage environment
  • Fannie & Freddie change home mortgage appraisals over COVID_19
  • Fed Minutes: Mortgage Rates React
  • Fed's Causes Mortgage Rates To Move Again!
  • Federal reserve hikes interest rates
  • Federal reserve’s change to policy
  • FHA 203K Loans, Not All They're Cracked Up To Be
  • FHA Condos VS. PUD's
  • FHA Home Loans: Mortgage Insurance Premiums Set To Rise!
  • FHA loan limits for 2017 rise
  • FHA Loan Limits for 2019 increase
  • FHA Loans Help The First Time Home Buyer
  • FHA Loans- Which Properties Qualify?
  • FHA Mortgage Insurance Gets More Expensive June 1, 2013
  • FHA Mortgage Insurance Premiums Now .85%
  • FHA Mortgage Insurance Premiums reduced by 30 basis points-what this means for consumers
  • FHA Mortgage Rates Vs. Conventional Mortgage Rates
  • FHA Preapproval: Renting Vs Owning Sonoma County
  • FHA Streamline Refinances "The Truth"
  • FHA Streamline Refinances: HUD Reduces Monthly Mortgage Insurance!
  • FHA’s 2016 Loan Limit Increases May Help You Buy A Home Or Refinance More Easily
  • FHFA Increases 2018 Sonoma County Loan Limits
  • Find A Sonoma County Real Estate Loan EVEN If You Are Unemployed
  • Find An Investment Mortgage
  • Finding A Bad Credit Mortgage
  • First Time Home Buyers Get Zero O% Down Payment
  • First Time Home Buyers: Prime Opportunity In Winter Months
  • Five guaranteed ways to improve your home purchasing power
  • Five Things Consumer Still Do In The Loan Process That Hurts Their Loan Closing
  • Foreclosure Vs. Short Sale Know The Risks
  • Freddie Mac changes to accessory dwelling units
  • Funky Property Types You Can Still Get A Mortgage On
  • Get A Mortgage Rate Quote
  • Get Preapproved To Buy A House: Start House Hunting!
  • Getting A Home Loan: Watch Out On Your Income Tax Return
  • Getting a mortgage is still not an easy process
  • Going backwards trying to save for a home?
  • Government Loans: To FHA or USDA
  • HARP 2.0 Refinance: Get The "Real" Scoop
  • HARP After HAMP: How To Refinance After A Recent Loan Modification
  • HARP: Making Homes Affordable Aka The Underwater Refinance
  • Helping A Family Member Buy A Home? Quit Transferring Money Around
  • Here are 2 mortgage process problems you will want to avoid
  • Here is a legit non-traditional income program for self-employed mortgage borrowers
  • Here is an easy way to save thousands in mortgage interest expense without refinancing
  • Here is one surefire way of making the mortgage loan process more of a hassle
  • Here is something most married folks do not realize when applying for an FHA Loan
  • Here Is The Biggest Obstacle First-Time Home Buyers Face And Its Not Credit Score
  • Here is the dicey reality of renting vs buying in Sonoma County
  • Here is the lowest credit score you need to get a mortgage
  • Here is the magic cash to payment formula to use when buying a home
  • Here is what to expect about today’s mortgage loan process
  • Here is why you should not be worried about buying at the top of the market
  • Here’s 3 types of pricier mortgages
  • Here’s An Unconventional Way To Pay Off Your Home Faster Without Changing Terms
  • Here’s how much more expensive your mortgage will be due to bad credit
  • Here’s how to get the most benefit from your first-time home buyer researching
  • Here’s the loan process and what not to do when getting a mortgage
  • Here’s what you need to understand about today’s mortgage rate environment
  • Here’s what you should be focused on when buying a home and it’s not the purchase price
  • Higher FHA Loan Limits ARE Back !!!!!!!!!!!!
  • Higher Mortgage Rates For Conforming High Balance Mortgages
  • Home Buying Sonoma County: Paying Off Debt To Qualify
  • Home Equity Is Back In Sonoma County- Mortgage Options Follow
  • Home Equity Line Of Credit Loans May Soon Be Adjusting Up
  • Home Loan Denied: Consider Re-Applying With A Different Mortgage Company
  • Home Mortgage Banks Are Strapped So Can Rates Get Any Lower?
  • Home Mortgage Loans That Won't Turn Back The Clock
  • Home Repairs To Improve Value?
  • Homebuying 101: How Monthly Debt Affects Your Purchasing Power
  • Homepath Loans=No Appraisal No Mortgage Insurance
  • How 1031 tax-deferred exchanges work
  • How a bank statement program might help you get a mortgage more easily
  • How a future recession may impact your plan to buy a home
  • How a homeowners association payment can change your borrowing power
  • How a recast mortgage will benefit you as a consumer
  • How Accurate Are Online Home Value Websites?
  • How assumable mortgage loans work
  • How Buying A Home Will Make You More Credit Worthy
  • How can I change mortgage loan types during the escrow process?
  • How can I get my credit score up to get a mortgage?
  • How changing your income and job status may affect your mortgage chances
  • How changing your preapproved amount may affect your home buying chances
  • How child support and alimony can affect your ability to get a mortgage
  • How Conventional Loans Can Get Pricey
  • How Covid_19 completely changed mortgage rates
  • How Divorce Affects Your Ability To Qualify For A Mortgage
  • How do collections affect my chances of getting a mortgage loan?
  • How do determine whether not you have a property tax bill due
  • How Do I Calculate Mortgage Insurance On A Conventional Loan?
  • How do I make a bi-weekly mortgage payment if my lender won't bill me that way?
  • How Do I refinance my Sonoma County Energy Independance loan?
  • How do I use the Delayed Financing Rule ?
  • How do you know when you are buying too much house
  • How Does Co-Signing Affect My Ability To Qualify For A Mortgage Loan?
  • How Does Having a Co-Signor Help Me Get A Mortgage?
  • How does seller carry financing work to buy a home?
  • How energy independence home improvement loans may affect your mortgage
  • How Fannie Mae’s debt to income change may help you get a mortgage
  • How FHA Home Loans Work
  • how filing your tax returns might hurt your mortgage chances
  • How Financial Inconsistencies Could Affect Your Credit When Applying For A Mortgage
  • How Generating A Bigger Income Plays A Role In Your Borrowing Power
  • How Getting Married Can Halt Your Chances Of Buying A Home
  • How Higher Mortgage Rates Affect Payment
  • How Interest Rate Locks Work
  • How Job Proximity Plays A Role In Your Loan Approval
  • How Loan To Value Affects Interest Rate
  • How long after a bankruptcy can I buy a house?
  • How Long after a short sale can I get a mortgage?
  • How long does a preapproval to buy a home last?
  • How mortgage borrowers can hurt their chances for obtaining credit
  • How Mortgage Interest Works
  • How mortgage lender can make a loan work when another cannot
  • How mortgage lender credits work
  • How Mortgage Loan Escrow Accounts Work
  • How Much Are Closing Costs Going To Be On A Home Purchase?
  • How much are closing costs when you purchase a house?
  • How much does it cost to refinance your mortgage?
  • How Much Down Payment Percent You Need To Buy A Home
  • How Much Income Do You Need To Buy A House?
  • How much money you need to purchase a home
  • How much of your income should go towards a mortgage payment?
  • How Much Of Your Income To Be Saving For Buying A House
  • How much of your mortgage income should be going towards an auto loan
  • How Much Skin In The Game To Buy A House
  • How much the debt in your life is costing you
  • How Often Can You Refinance Your Home?
  • How out of pocket costs relate to mortgage refinancing
  • How saving plays a role in your home buying plan
  • How Solid Is Your Loan Pre-Approval?
  • How The 2016 Loan Limit Increases Will Benefit You
  • How The Delayed Financing Rule Works: The Buy & Refi Solution
  • How the FHA 100 mile rule limits your ability to rent out and buy a home
  • How the mortgage process could get ugly if you have a difficult picture
  • How the new PPP Loan may adversely affect your mortgage
  • How the new tax plan may affect Sonoma County home buyers
  • How The Size Of Your Mortgage Is Impacted By Your Credit Score
  • How to avoid getting a jumbo loan due to Coronavirus
  • How To Avoid Monthly PMI With Less Than 20% Down
  • How to balance a budget with a mortgage
  • How to be a successful home buyer in 2021
  • How to button up your finances for getting a mortgage
  • How To Buy & Transfer Family Real Estate
  • How to buy a home 2-1 and 3-2-1 Buydown Program
  • How to buy a home and finance the repairs at the same time
  • How To Buy A Home By Refinancing Another
  • How To Buy A Home By Selling Another
  • How to buy a home when you have one to sell first
  • How To Buy A Home Without 20% Down And No Mortgage Insurance
  • How To Buy A House With No Down Payment And No Monthly PMI
  • How To Buy Out An Ex-Spouse From A Home
  • How to cash out refinance a loan bigger than 417k
  • How To Correctly Pay Off Debt When Getting A Mortgage
  • How to create wealth with your income and finances
  • How to decide the right time to buy a home
  • How to decide when it’s time to get a cosigner
  • How To Document A Foreclosure, Short Sale Or Bankruptcy For Mortgage Lending
  • How to evaluate buying a rental property
  • How to figure out closing costs on a mortgage
  • How To Fix 4 Common Roadblocks You May Encounter On Your Mortgage
  • How to get a down payment to buy a home
  • How to get a first time home buyer program
  • How to get a mortgage for a manufactured home without mortgage insurance
  • How to get a mortgage if you’ve been furloughed to do to COVID_19
  • How to get a mortgage if your 2020 tax return was low due to covid_19
  • How to get a mortgage if your income was affected by Covid_19 in 2020
  • How To Get A Mortgage Loan Post Short Sale, Foreclosure or Bankrucpty Revisited
  • How to get a mortgage when your self employed income is tricky
  • How to get a mortgage with a brand-new job
  • How to get a mortgage with a credit score under 620
  • How to get a mortgage with a forbearance due to Covid_19
  • How to get a mortgage without providing tax returns
  • How to get a mortgage without tax returns for 2021
  • How To Get a Sonoma County Mortgage Loan
  • How to get an FHA Mortgage on a non Hud Approved condo
  • How To Get Mortgage Even If You Are Not A U.S. Citizen
  • How To Get Rid of That Mortgage Insurance PMI!
  • How to handle a lower home value when refinancing your mortgage
  • How to handle this mortgage rate environment
  • How to increase your investment rate of return using mortgage financing
  • How To Land A Mortgage Post Loan Modification
  • How to lower your cash to close when buying a home
  • How to lower your debt to income when getting a mortgage
  • How to make sure your mortgage application makes sense
  • How to make your financial profile less intricate for a mortgage application
  • How to navigate mortgage appraisal situations during the Coronavirus pandemic
  • How to navigate rising mortgage rates
  • How to omit debt when applying for a mortgage
  • How to pick the right mortgage loan program for your situation
  • How to plan optimal the time to buy a rental property
  • How To Prevent Common Surprises In The Mortgage Loan Process
  • How to purchase a house with a partial down payment
  • How To Refinance If You Are NOT Harp 2 Eligible
  • How To Refinance To A 15 Year Mortgage Even If Your Financials Don't Pencil
  • How to remove private mortgage insurance
  • How to reposition your debt to buy a home
  • How To Save When Refinancing A Mortgage Bigger Than 417k
  • How to score a jumbo mortgage with less than 20% down
  • How To Select The Right Mortgage Company
  • How to set the cost of your own mortgage
  • How to spot a ridiculous mortgage offer
  • How to spruce up your offer to buy a home
  • How to time the market to buy a home
  • How to transfer property to family and still be protected under Prop 13
  • How to turn a pre-approved buyer into a cash buyer
  • How to use a 401k for down payment to buy a home
  • How to use rental income to qualify for a mortgage
  • How to use seller carry financing to purchase a house with less cash down
  • How to win in today’s competitive real estate market
  • How to write a killer letter to get your purchase offer accepted
  • How you skip a payment when you refinance
  • How you use your money make affect your mortgage options
  • How your credit cards shape your ability to get a mortgage
  • How Your Fico Score Affects Your Ability To Get A Mortgage
  • How your finances matter when it comes to buying a home
  • How your mortgage fees are accounted for when refinancing
  • How your mortgage fees can change
  • How your mortgage payment changes per every $100,000 in purchase price
  • How your mortgage payment relates to purchase price
  • How your profit and loss statement may affect your mortgage application
  • I have given you pay stubs, why do you need W2's
  • I Have More Than 4 Financed Properties.Are There Any Choices For Me?
  • I have multiple financed properties? Can I still get a mortgage?
  • I just switched jobs, how does that affect my ability to qualify for a loan?
  • I live In Santa Rosa, trying to refinance my mortgage, why am I getting a higher rate?
  • I'm a self-employed, run a small business, was recently turned down for getting a mortgage because they don't show income. Are there any programs for people like me?
  • I'm preapproved for a Santa Rosa Mortgage. Why can't I get my purchase offer accepted?
  • I'm trying to get a mortgage, but my credit score isn't high enough, what can I do to improve my credit rating?
  • I'm waiting to refinance because a house in my neighborhood is supposed to sell which makes a good comparable, is this a good decision?
  • Income Property: Why These Mortgage Types Cost More
  • Is a 50 year mortgage a good move?
  • Is a down payment assistance loan to buy a home a good idea?
  • Is Buying A Short Sale Property Still Worthwhile?
  • Is down payment assistance worth it to a buy a home?
  • Is is a second mortgage making your refinance harder? This tip may help…
  • Is the end near for Dodd Frank?
  • Is the mortgage rate or the purchase price you pay for a home more important?
  • Is The Shutdown Stopping Sonoma County Mortgage Fundings?
  • Is There A Santa Bubble With Mortgage Rates?
  • Is there a way to cover costs when buying a home?
  • Is USDA Eligible For A Santa Rosa Rosa Mortgage?
  • Is waiting to apply for a mortgage after taxes the right move?
  • Is Your Current Mortgage Rate Higher Than 4.375%? Time To Make A Move
  • Is your new rental agreement going to pass for a mortgage?
  • It's Still Possible To Get A Mortgage Despite A Judgement
  • Its Not Just Your Credit Score That Counts For Getting A Mortgage
  • Jumping Through Hoops To Get A Mortgage? Here's A Quick Fix
  • Key Factors That Drive Up Mortgage Costs
  • Latest Fed Meeting's Influence On Sonoma County Mortgage Rates
  • Lenders Tightening The Screws On Short Sale Borrowers
  • Lending guidelines just got easier for conventional traditional mortgages
  • Lending LoopHole: FHA Loan For An Investment Property
  • Loan programs to look at with little or no down payment
  • Looking to buy a house the summer? You’ll need a down payment
  • Looking To Refinance An Investment Property, not Harp 2 Eligible?
  • Loophole To Show More Income When Buying A Home
  • Low Mortgage Rates: The Debt Ceiling's Influence
  • Lowest APR or Lowest Mortgage Rate?
  • Lowest Sonoma County Mortgage Rates on Record!
  • Make your credit fit the mortgage box
  • Minimum credit scores changing on mortgage programs due to Coronavirus
  • Mortgage after loan modification? Here’s how…
  • Mortgage After Short Sale or Foreclosure
  • Mortgage Application: Pulling Credit Report
  • Mortgage Comparison Shopping: How To Read The Good Faith Estimate
  • Mortgage inquiry make your credit score drop? Not so fast….
  • Mortgage Insurance: Consumer Tips On PMI & Advoidance
  • Mortgage Lender Fees Are Rising!
  • Mortgage Loan Costs Rising In 2012
  • Mortgage Loan Fees You Need To Know
  • Mortgage Loans: The Discount Points Conundrum
  • Mortgage Payment Calculator
  • Mortgage rate too good to be true? It probably is…
  • Mortgage Rates Are Higher. Is an adjustable rate mortgage a better fit?
  • Mortgage Rates Improve On Jobs Report
  • Mortgage Rates Rise On Latest Jobs Report
  • Mortgage Refinancing: Is Now The Right Time?
  • Mortgage Shop Santa Rosa
  • Mortgage Shopping For Competitive Rates? How To Do it Right!
  • Mortgage Shopping- A Different Approach
  • Mortgage Tip: Buying A House With Ease
  • Mortgage Tip: How Gift Monies Work
  • Mortgage Tip: How To Get A Home Mortage Loan Approved Fast
  • Mortgage Tip: Increase Your Credit Score
  • Mortgage Tip: Internet Lenders …Know The Risks
  • Mortgage Tip: Loan Qualifying For Self Employed Borrowers
  • Mortgages: How to find the net tangible benefit through the fees, rate and payment
  • Mortgages: What Consumers Need To Know About The Annual Percentage Rate
  • Mortgages: What The Big Banks Are Good At
  • Mortgages: why you need to read the fine print
  • My credit score is 620, what type of mortgage can I qualify for?
  • My credit score is 620. Do I even have a chance of buying a house? Another Lender told me 640.
  • My house has a granny unit, can I use this additional income to help you qualify for my Santa Rosa mortgage refinance?
  • My loan is through Freddie Mac, why do need I cash to close on my HARP 2 Refinance?
  • My mom is behind on her mortgage payment. How long does she have to wait to get a mortgage?
  • Navigate Through The Home Loan Process
  • New Delayed Financing Rule: Pay Cash for a Home, Get Cash Out Under 6 Months!
  • New fee for residential conventional mortgages
  • New Home Builder says I have to use his lender for purchase financing. Is this true?
  • New loan limits for 2020 makes getting a mortgage easier
  • New Mortgage Loan Limits for 2023
  • New Sonoma County Loan Limits!
  • New tax bill 2018- why people should refinance their equity lines and second mortgages
  • New underwriting guidelines coming June 25 may change your mortgage
  • No Cost Refinances = Tremendous Savings
  • No more VA Loan Limits in January 2020!
  • No-Cost Loans Vs. Low-Cost Mortgages: Key Differences Could Cost You
  • Old Divorce Affecting My New Mortgage Loan
  • One really smart move to best prepare for getting a mortgage
  • Paying Off Your Credit Cards May Hurt Your Mortgage Approval
  • Pinpointing Your Rate When Refinancing Your Mortgage
  • Position your pre-approval against rising rates
  • Pre-approved and House Hunting? How Maternity Leave Factors Into The Mix
  • Quick Calculation For Determining House Payment
  • Quick Way To Determine How Much Your House Must Appraise At To Refi
  • Quirky Mortgage Borrowers Are Still Getting Loans
  • Refinance At 125% Loan To Value With No Appraisal!
  • Refinance Without Starting Over At 30 years
  • Refinancing Fees: Finance Or Bring Cash To Closing?
  • Refinancing Now Takes Longer Than 30 Days
  • Refinancing With Your Current Lender Is NOT Always Easier
  • Refinancing: 4 Practical Money Saving Ways To Combine A First & Second Mortgage
  • Refinancing? What To Expect If You’re Rusty On The Financials
  • Renting? How About Buying The Buy House Instead?
  • Risky income moves which may prevent you from getting a mortgage
  • Santa Rosa Mortgage Shopping: Be Smart Get An Appraisal
  • See What An FHA Pre-approval Is All About
  • Selecting The Right Home Loan Program
  • Self-Employed? It just got easier to get a mortgage
  • Self-Employed? What To Watch For When Lenders Calculate Your Income
  • Shopping Around For Santa Rosa Mortgages?
  • Short Sale in 2011? How about a 2011 Bankruptcy?
  • Should I Be Concerned About A Light Documentation Loan Offer?
  • Should I get a mortgage rate quote for a refinance from my current lender?
  • Should I pay discount points when locking my interest rate?
  • Should I pay down my principal mortgage balance to refinance or upgrade my home for a better value?
  • Should I Pay For An Appraisal To Refinance My Home?
  • Should I Pay Upfront Fees When Refinancing My Home?
  • Should I Put More Money Down Or Pay Off Debt To Buy A Home?
  • Should I work with a mortgage broker or a mortgage lender?
  • Should you buy & build or buy a single family home?
  • Should you buy a condo or a single family home?
  • Should you buy a fixer house?
  • Should you buy a house in this real estate market?
  • Should you buy a house or keep saving? The answer might surprise you
  • Should you buy a house or refinance the one you already own in 2021?
  • Should you buy a house or wait for the market to improve?
  • Should you buy a house with a homeowners association?
  • Should you buy a house with monthly mortgage insurance?
  • Should you buy an existing home or build a new one?
  • Should you Cash out refinance and remodel or buy another property?
  • Should you cash out refinance or get a home equity line of credit?
  • Should you do a cash-out refinance or get a home equity line of credit?
  • Should you go FHA or conventional for purchasing your first home?
  • Should you go FHA or Conventional?
  • Should you improve your credit or buy a house now?
  • Should you pay off high interest debt first when getting a mortgage?
  • Should you really buy that home?
  • Should you really worry about PMI when buying or refinancing a house?
  • Should you refinance during rising rates?
  • Should you refinance into a higher rate mortgage?
  • Should you refinance to become more lendable?
  • Should you refinance with today’s historically low rates?
  • Should you refinance with today’s mortgage rates?
  • Should you refinance your current mortgage?
  • Should you refinance your house with a direct-mail mortgage offer?
  • Should you take out an adjustable rate mortgage?
  • Signs It's Time To Wait Applying For A Mortgage Loan
  • Signs you’re not ready to buy a house
  • Single Pay Mortgage Insurance: A Secret Alternative To Avoiding Monthly PMI
  • Slick Mortgage Rate Strategy For Buying A House
  • Sonoma County "Best Rates"
  • Sonoma County Home Loan Refinance: When and How
  • Sonoma County Home Loans: Mortgage Insurance 101
  • Sonoma County Mortgages… The Ins & Outs
  • Steps To Buying A Home: Where To Begin
  • Strange things that will stop your mortgage application
  • Tax return losses may hurt your mortgage chances
  • The #1 mistake consumers make when getting a mortgage…
  • The 2017 Mortgage Rate Environment
  • The 3 different types of home buyers
  • The 3 most common mortgage loan types
  • The 30 Year Fixed Rate Mortgage, Still The Most Popular Home Loan For Borrowers
  • The Best Mortgage Rates Are Back….Lock In!
  • The best way to cash out refinance your home
  • The Big 2011 Question: Should You Refinance Your Mortgage?
  • The Biggest Self-Employed Borrower Traps When Getting A Mortgage
  • The catch with today’s low-interest-rate environment
  • The complete guide to getting a mortgage when your self-employed
  • The credit score it takes to get a mortgage
  • The Difference Between Mortgage Preapproval Vs. Prequalification
  • The equity percentage you need for a big mortgage is less than you think
  • The factors that determine your loan fees
  • The ideal mortgage candidate
  • The most important things you need to know about securing a VA Mortgage
  • The new credit score you need to get a mortgage
  • The new Sonoma County housing and mortgage rate market
  • The new way to buy a house in Sonoma county
  • The number one factor that can drive your mortgage cost up (hint not credit)
  • The number one mistake you don’t want to make when getting a mortgage
  • The number one reason why you shouldn’t buy a home
  • The number one thing you need to watch out for on FHA and VA mortgages
  • The only 5 guaranteed ways to boost borrowing power
  • The percentage down to purchase a rental property might less than you think
  • The Recent Mortgage Guideline Changes That Could Save Your Loan
  • The Role of Second Mortgages In Refinancing
  • The Things You Need To Buy A Home Beyond Your Income
  • The Top 10 Reasons Why You Cannot Buy A House
  • The Top 3 Home Buying Mistakes Buyers & Realtors Make When Securing A Mortgage
  • The Trend To Conventional Mortgages
  • The Truth About Co-Signing On Someone Else's Home Loan
  • The truth about how credit scores relate to mortgages
  • The Truth About The Media’s Reporting On Interest Rates
  • The Way Lenders Price & Quote Mortgages
  • These forms of income can help you land a mortgage
  • These little lending nuances may help you land a mortgage
  • These little nuances may affect your first-time buyer mortgage options
  • These mortgage scenarios will almost always mean paying discount points
  • These ridiculous things could be needed to buy a home
  • These two conventional mortgage loan programs will get you a better interest rate and terms
  • These two factors drive your mortgage cost
  • Think You Can't Buy A House Because Its A Seller's Market?
  • This change to FHA Loans might help you land a mortgage more easily
  • This common mistake will kill your mortgage
  • This Credit Mistake May Cost You A House
  • This Employee Tax Deduction Could Kill Your Mortgage Eligibility
  • This FHA lender rule could be problematic for your mortgage
  • This FHA requirement might hurt your multi unit home buying chances
  • This Mortgage Cost No Longer Makes Financial Sense
  • This recent change just made getting a mortgage easier
  • Tips To Financing Closing Costs
  • Top Make Sense Reasons To Refinance
  • Two Pricey Home Loans Consumers Should Watch For
  • Two ways to get your purchase offer accepted
  • Types of loans you can get based on your credit score
  • Types of mortgages that may cost more
  • Understanding A Paper Trail: What Funds Are Eligible For Use In A Mortgage Loan
  • Understanding Conventional Vs. Conforming Mortgage Loans
  • Understanding FHA Home Loans
  • Underwater? Yep You Can Still Refinance…
  • Use A Local Petaluma Lender
  • Use An Accurate Mortgage Calculator
  • Using APR To Distinguish Between Mortgage Offers
  • Using Your Brand New Job Or Promotion To Get A Mortgage
  • Waiting for rates to drop on a new mortgage?
  • Want A Mortgage? Give Us Your Birth Certificate
  • Want the Best Mortgage Rate? Let's Talk Monthly Debt Oligations
  • Want to Refinance? Try An FHA Short Pay Refi
  • Watch out for these two sneaky mortgage practices
  • Ways to handle a mortgage payment when buying a home
  • We we choose to do a first and second mortgage to avoid PMI my broker told me the 1st loan can have a fixed rate but the 2nd loan has to be a variable rate. Is this true. I wish that we could have both at fixed interest rates.
  • What Are High-Priced Loans?
  • What are the initials steps I should take when deciding to get pre-approved to buy a home?
  • What are the risks of buying a home?
  • What credit score do I need for a VA home loan?
  • What exactly is a large cash deposit going into my bank account?
  • What Internet Only Lenders Won't You: How They Really Operate
  • What Is A Debt to Income Ratio?
  • What is the minimum credit score I need to buy a house?
  • What kind of home buyer are you?
  • What loan program you may be eligible for based on your credit score
  • What loan programs are available to help me refinance if I'm underwater,my loan is not owned by Fannie Mae or Freddie Mac?
  • What may happen with interest rates in 2023
  • What Mortgage Lenders Want…CIA Analysis
  • What programs are available for first time home buyers today?
  • What Santa Rosa mortgage can I use to purchase an income property?
  • What Sonoma County loan programs are available for little or no down payment?
  • What The 2014 FHA Loan Limits' Reduction Means For Home Buyers
  • What The Election Means For Mortgage Rates
  • What the Federal Reserve rate increase means
  • What to do if you need last year’s income tax returns to get a mortgage
  • What to do when you’re told you can’t qualify for a mortgage
  • What to expect with mortgage rates over the next few months
  • What to know about low score mortgages
  • What to know about refinancing with a second mortgage
  • What to know about VA loans
  • What to know about your self employed tax return when it comes to getting a mortgage
  • What To Know When Buying A Flipped Home
  • What to know when co-signing on someone else’s mortgage
  • What to look for in a mortgage lender when buying a home
  • What to look for when getting a mortgage on a manufactured home
  • What type of mortgage lender are you looking for?
  • What you must do when getting an FHA mortgage with an income based student loan
  • What you need to know about private mortgage insurance
  • What you need to know about the mortgage 4506T document
  • What you need to know if you are seeking an FHA mortgage with student loans
  • What you need to know when buying a condo
  • What you need to know when paying off debt to buy a home
  • What your loan amount covers when refinancing
  • What? Another pre-approval?
  • What’s going to happen with interest rates in 2022
  • What’s happening with home appraisals
  • What’s the magic interest rate to refinance your mortgage?
  • What’s the minimum down payment to buy a home?
  • What’s the lowest credit score to get a home loan?
  • What's the best way to determine a breakeven on a santa rosa refinance loan?
  • What's The Maximum Debt To Income Ratio For Harp 2 Refinance Loans?
  • What's the maximum loan to value permitted on a second home/ vacation property loan?
  • What's the minimum credit score for getting an FHA mortgage?
  • What's the minimum credit score I need to get a mortgage loan?
  • Whats the maximum loan to value permited on second home?
  • When are housing prices going to return to normal?
  • When Does A 15 Year Loan Change From Paying Interest To Paying Principle?
  • When is the right time to buy a home?
  • When is the right time to buy a house
  • When it comes to mortgage financing the harder way is usually the way that will make your loan work
  • When Saving Up For A Big Down Payment Does Not Make Sense
  • When Should I Lock-In My Mortgage Rate?
  • When Will Housing Prices Come Back?
  • Where do you guys make home mortgages?
  • Where is The Best Place To Shop Mortgage Rates?
  • Where should you go to refinance your mortgage?
  • Where To Get Information On Sonoma County Home Buying?
  • Which company you chose to handle your home refinance matters
  • Which Mortgage Company For My Home Loan?
  • Which option makes the most sense for cash out refinancing?
  • Who Decides Which Title Company To Work With For My Mortgage?
  • Who Has The Best Rates For A Sonoma County Home Loan?
  • Who Is Paying Your Debt May Alter Your Mortgage
  • Who To Use To Get The "Best Mortgage"
  • Why 2013 Will Be The Year To Buy A House
  • Why A "No Cost Mortgage" Still Costs
  • Why a car lease can harm your mortgage possibilities 
  • Why A Low Rate Loan Is Not Always The Most Affordable
  • Why Ability To Qualify Supersedes Rate
  • Why am I being quoted a higher rate on my Harp 2 Refinance? I see 30 year fixed mortgages rates at 3.5%!
  • Why an FHA loan may be a suitable choice
  • Why an FHA Mortgage is by far the best out of the box loan option to buy a house
  • Why Applying For A Mortgage Does Not Automatically Tank Your Credit Score
  • Why APR is Higher Than The Interest Rate
  • Why are current mortgage rates so high?
  • Why Auto Loans And Home Loans Do Not Mix
  • Why Can't I Get The Refi Mortgage Rate I Saw In The News?
  • Why Cash Is king In Real Estate Negotiation
  • Why Disputing Credit Accounts May Stop Your Home Purchase
  • Why Do Closing Costs Cost More When Buying A House?
  • Why do I have to close my credit cards on a cash out refinance?
  • Why do mortgage companies have to pull a credit report?
  • Why does my lender keep sending me loan disclosures?
  • Why Does Your Mortgage Loan Disclosures Show Higher Closing Costs?
  • Why FHA Streamline Refinancing Is Over
  • Why focusing on finding the right home is better solution than searching loan programs
  • Why getting a 30 year fixed rate mortgage is a smart financial move
  • Why harp refinances are dwindling
  • Why Hiding Income From Your Lender Is A Bad Idea
  • Why interest rates will probably not get any lower
  • Why Is My Financed Loan Amount On My FHA Loan Bigger?
  • Why is My Home Loan Rate 3.5%, but my APR is 3.793
  • Why Is My Mortgage Pay Off Higher Than My Principal Balance?
  • Why Is My Mortgage Rate On My New Loan So High?
  • Why its a real estate problem, not a mortgage problem
  • Why Its Not Cheaper Or Easier To Refinance With Your Mortgage Holder
  • Why Mortgage Rates Are Not All The Same
  • Why mortgage rates will not hit 7%
  • Why most financial experts get mortgages wrong
  • Why Moving Money Around Can Be Problematic For Getting A Mortgage
  • Why Multiple Financed Properties Can Be Pricey
  • Why not all first time homebuyer programs are created equal
  • Why not paying your self employed tax debt may cost you a mortgage  
  • Why People Cannot Qualify For Mortgages
  • Why purchase price should secondary to this one thing when buying a home
  • Why Refinancing May Still Make Sense Even If You Plan To Sell In A Few Years
  • Why Renting May Delay Your Home Buying Efforts
  • Why Saving For Closing Costs Is A Losing Proposition
  • Why Should I Work With a Lender Whose Interest Rate Is Higher?
  • Why Silicon Valley Bank failed and why it’s good news for mortgage rates going forward
  • Why Small Loans Can Sometimes Cost More
  • Why Some Aspects Of Today's Lending Still Do Not Make Sense
  • Why Sonoma County Housing Prices will continue to rise
  • Why Student Loans Can Hurt Your Mortgage Application: Avoid Denial
  • Why the credit score you think you have might not be correct for a mortgage
  • Why The House Down Street Will Not Affect My Refinance?
  • Why the house that needs work should not be overlooked
  • Why the media is the worst gauge for the direction mortgage rates
  • Why the purchase price should not be the single most important factor
  • Why the VA mortgage is the best home loan
  • Why there are no “Maybe Loans” in today’s lending world
  • Why these 2 factors drive housing prices above all else
  • Why this factor will not matter when refinancing
  • Why using your income for a down payment may not fly
  • Why waiting for mortgage rates to get better is a losing proposition
  • Why waiting to pull credit may not make sense for getting a mortgage
  • Why We Won't See 5% Mortgage Rates Any Time Soon
  • Why you can expect your home equity line of credit to cost more
  • Why you cannot opt out of title insurance when getting a mortgage
  • Why you may need to pay the piper with your self-employed income for a loan
  • Why you might want to consider a DSCR loan to buy a rental property
  • Why you need to buy a house if you have access to cash
  • Why you should not hesitate on making offer to buy a home
  • Why You Should Work With Scott
  • Why you shouldn’t be solely focused on credit when it comes to getting a mortgage
  • Why You’re Burning Money If You Have Not Yet Refinanced Your 4.25 Or Higher Mortgage
  • Why your granny unit might ding your mortgage application
  • Why your income is your lifeline to finance a home
  • Why your income is your lifeline to finance a home
  • why your mortgage application could be denied
  • Why your mortgage chances may be slim with this credit card
  • Why your mortgage goals may not happen
  • Why your mortgage loan application might be delayed
  • Why your mortgage payment keeps changing
  • Why Your Second Job May Not Cut It For A Mortgage
  • Why your side business makes getting a mortgage tougher
  • Why your student loan might cost you a house
  • Will "Qualified Mortgages" Help Consumers?
  • Will a low down loan help you buy a home?
  • Will co-signing on someone else’s mortgage hurt my mortgage chances?
  • Will Credit Cards Help Me Land A Mortgage?
  • Will Loans With A Few Payments Left Hurt My Home Buying Chances?
  • Will My Disability Income Count For Getting A Mortgage?
  • Will Paying Off My Mortgage Hurt My Credit Score?
  • Will pulling a credit report for a mortgage make my credit score drop?
  • Working two jobs is now easier to get a mortgage
  • Yes you don’t need tax returns to get a mortgage
  • You can now cash out refinance 100% known to value with VA financing
  • You can refinance with up to 65% debt to income ratio
  • You just got notice to vacate, should you buy a house or continue to rent?
  • Your choices if you’re self employed and you don’t show enough income for a mortgage
  • Your Credit Score: What You Need To Know
  • Your Deferred Student Loan May Impact Your Mortgage Chances
  • Your ex can make your mortgage application difficult
  • Your House Will Not Appraise For A Refinance Or Will It?
  • Your Percentage Of Business Ownership May Change Your Mortgage Application Status
  • Your Student Loan Credit May Secretly Limit Your Mortgage Options

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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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