• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Sonoma County Mortgages

Contact Us About Mortgage Financing

All financing provided by New American Funding

(707) 217-4000 | Prequalify Now

Search Sonoma County Mortgages

  • Home
  • Purchase
    • How Much Down Payment To Buy A Home?
    • How Much Income You Need To Buy A Home
    • How Much Should I Save For Buying A Home?
      • How Rates Affect Payment
    • No PMI Mortgages
    • FHA Loans
    • Sonoma County Disaster Loans
    • Jumbo Loans
  • Refinance
    • Mortgage Rates
    • Does It Make Sense To Refinance?
      • Get Your Refi Paperwork In Order
    • How To Pay Off Your Loan Faster
    • How To Remove PMI
    • How Lenders Price & Quote Loans
  • Loan Programs
  • Payment Calculator
    • Mortgage Affordability Calculator
  • Blog
  • Videos
  • About SCM
  • About Scott Sheldon

Primary Sidebar

Sonoma County Mortgages is a part of New American Funding

New American Funding - NMLS #6606

Get Your Latest Rate Quote Now!

buying your first home

Why hourly wage earners sometimes have a hard time getting a home loan

May 9, 2023 by Scott Sheldon

Why hourly wage earners sometimes have a hard time getting a home loan

You’re all excited to purchase your first home, you have a good job, you have a good down payment, and you’ve got a good credit score. What could go wrong, right? Here’s … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, conventional mortgages, FHA home loans, how to buy sonoma county real estate, loan programs, mortgage comparison shopping, refinancing my mortgage, sonoma county refinancing

When you’re applying for a home loan, make sure you tell your lender everything

April 23, 2023 by Scott Sheldon

When you’re applying for a home loan, make sure you tell your lender everything

If you’re thinking about getting prequalified to buy a home, maybe you have some issues with your credit history in the past, or maybe you cosigned for someone else’s property. These are … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, home loan refinance, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, sonoma county home buying, sonoma county refinancing

How earning more income affects your ability to buy a home

April 3, 2023 by Scott Sheldon

How earning more income affects your ability to buy a home.

If you’re thinking about purchasing a house, it’s not just your credit score and your down payment that counts, it’s also your income, as your income drives affordability. How much income you … [Read More…]

Filed Under: Credit Score Questions and Answers, Uncategorized Tagged With: buying your first home, home buying, qualifying for a mortgage, refinancing, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, sonoma county refinancing

This FHA lender rule could be problematic for your mortgage

March 26, 2023 by Scott Sheldon

fha rule mortgage loan

If you’re applying for a residential mortgage loan and you’re looking at an FHA loan to purchase or refinance a home this lender requirement could be problematic for you as it relates … [Read More…]

Filed Under: Pre-Approval, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, FHA, FHA home loans, FHA Loan Limits, FHA Loans, FHA mortgage, how to buy sonoma county real estate, sonoma county refinancing

Why Silicon Valley Bank failed and why it’s good news for mortgage rates going forward

March 19, 2023 by Scott Sheldon

Why Silicon Valley Bank failed and why it's good news for mortgage rates going forward

The recent failure of Silicon Valley Bank points to a broader issue that banks particularly depository institutions face as relates to their financial stability. Here is how this benefits your finances when … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, buying your first home, conventional loans, home buying, home loan refinance, how to buy sonoma county real estate, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, sonoma county refinancing

Should I pay discount points when locking my interest rate?

March 12, 2023 by Scott Sheldon

locking mortgage rate with discount points

For those looking to purchase to refinance a home, there might be some shellshock as it relates to costs associated with getting a home loan these days. It’s no surprise we are … [Read More…]

Filed Under: Uncategorized Tagged With: best mortgage, buying a home, buying your first home, cash out refinance, conventional loans, home loan refinance, how to buy sonoma county real estate, qualifying for a mortgage, sonoma county refinancing

What’s the lowest credit score to get a home loan?

February 23, 2023 by Scott Sheldon

What’s the lowest credit score to get a home loan?

There is a significant amount of inaccurate information online and in the real estate community about the credit score needed to get a home loan to purchase or refinance a home. Talk … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, cash out refinance, credit score, FHA, home loan refinance, how to buy sonoma county real estate, mortgage lender, sonoma county refinancing

Why an FHA Mortgage is by far the best out of the box loan option to buy a house

January 29, 2023 by Scott Sheldon

Why an FHA Mortgage is by far the best out of the box loan option to buy a house

FHA loans which are loans ensured by the federal housing administration oftentimes have gotten a bad rap, for the costs associated with them as well as the types of properties that will … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, FHA home loans, FHA Loans, FHA mortgage, get a home loan with 3.5 % down, home buying, home buying in Sonoma County, how fha loan to buy a home, how to buy sonoma county real estate, mortgage lender, mortgage payment, preapproval to buy a home, Santa Rosa mortgages

Next Page »

Get Sonoma County Mortgages News and Updates in Your Inbox

Footer

SCM on Facebook

SonomaCountyMortgages.com

Connect on Facebook

SCM On Instagram

Follow Sonoma County Mortgages on Instagram

Follow on Instagram

SCM on Zillow

Zillow Reviews for Scott Sheldon, New American Funding

See Reviews on Zillow

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
View SCM Map | Email Us!

Map of Sonoma County Mortgages New American Financing Office

View Map on Google

Copyright 2010–2023 SonomaCountyMortgages.com · About Us · Sonoma County Loans · Privacy Policy · Terms Of Use · Legal · Site Map

NMLS Consumer Access © New American Funding. All rights Reserved. NMLS ID#6606.
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.

State Licensing (Opens in New Window) | Privacy (Opens in New Window)
Terms of Use (Opens in New Window) | Electronic Consent Agreement (Opens in New Window)
Opens in new window Opens an external site Opens an external site in a new window