The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Scott Sheldon's The Mortgage FIles Blog

Home Equity Is Back In Sonoma County- Mortgage Options Follow

By Scott Sheldon / March 28, 2014

Unlike in years past, the Sonoma County Real Estate Market continues to show strong appreciation gains. Homeowners who were upside down in 2011-2012, now have home-equity as the demand for real estate continues, despite stale inventory. If you own a house, you now have choices to protect, preserve or leverage your newly acquired home-equity. 6 Mortgage Options…

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Scott Sheldon's The Mortgage FIles Blog

Why 2013 Will Be The Year To Buy A House

By Scott Sheldon / December 23, 2012

As we round up the fiscal year 2012 and move into 2013, the next 12 months is showing compelling reasons why would-be home buyers are going to be buying more homes. In the beginning of 2012, the consensus was the real estate market was low, even flat in some parts. In summer 2012, purchase business…

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Scott Sheldon's The Mortgage FIles Blog

Understanding FHA Home Loans

By Scott Sheldon / November 13, 2010

The two types of loans offered by a local mortgage lenders are conventional loans and FHA Home Loans. We are going to be discussing FHA insured loans and some of the changes the Federal housing finance agency has put into place for local lender financing. As a local Santa Rosa mortgage lender, I can offer…

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