The Mortgage Files

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

Going backwards trying to save for a home?

By Scott Sheldon / March 23, 2017

  Do you need help saving to buy a house? What you think you need and what you actually need may not be the same. Here is what you should know when saving for a home. In order to purchase a home, you need at least 3.5% for a down payment. Another option is Down…

Sonoma County "Best Rates"

By Scott Sheldon / October 24, 2010

Sonoma County Best Rates:there are two ways to look at them. Most consumers look at mortgage rates whether being online, in the newspaper, etc. and automatically assume that the interest rate that is being advertised is the real interest rate that they can actually a lock a loan on. Get A Live Rate Quote for…