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  • Scott Sheldon
    • Scott Sheldon
      Senior Loan Officer
      NMLS ID# 287389
      Direct: 707 217-4000
      Scott.Sheldon@nafinc.com
      Specializing in Residential Home Loans for Primary Residences, Second Homes, Investment Properties, Single Family Homes, Condos, PUDs, 1-4 Units.

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3 ways that will prevent you from getting a mortgage

February 12, 2020 by Scott Sheldon

3 ways you cannot get a mortgage

If you want a mortgage, you need to play by the lender’s rules. There’s an old saying called the Golden Rule he who has the money makes the rules. When it comes … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Uncategorized Tagged With: buying a house, CA home buying, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Here is a legit non-traditional income program for self-employed mortgage borrowers

June 30, 2019 by Scott Sheldon

Self Employed Borrowers

Traditionally, self-employed mortgage borrowers are more heavily scrutinized by mortgage companies because of their gyrating income. If their business stops the revenue stops and their ability to make a mortgage payment could … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, CA home buying, cash out refinance, conventional mortgages, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

Should you buy & build or buy a single family home?

June 23, 2019 by Scott Sheldon

How to use seller carry financing to purchase a house with less cash down

  Purchasing a house is representative of so many different things in life depending on who you ask. Buying a lot and constructing is a monstrous project requiring long-term planning. Here’s some … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, CA home buying, FHA Loans, preapproval to buy a home, qualify for a mortgage, Sonoma County Mortgage Rates

Why you need to buy a house if you have access to cash

March 28, 2018 by Scott Sheldon

This FHA requirement might hurt your multi unit home buying chances

Buying a house is probably the largest financial transaction most people will ever take on. Following is why you need to consider purchasing a house if you have access to cash… Buying … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, CA home buying, FHA Loans, home buying, how to buy sonoma county real estate, mortgage rate quote, Santa Rosa mortgages

Tax return losses may hurt your mortgage chances

May 23, 2017 by Scott Sheldon

Qualifying for a mortgage involves: an acceptable credit score, sufficient assets and stable income. These are to show you can support a mortgage payment, plus other liabilities. You must have a balance … [Read More…]

Filed Under: First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Uncategorized Tagged With: buying a home, buying your first home, CA home buying, cash out refinance, Conventional, conventional loans, conventional mortgages, FHA, FHA home loans, FHA Loans, FHA mortgages, FHA refinancing, firs time home buyers, home loan refinance, No Cash Out Refinance, Santa Rosa refinancing, Tax, tax returns, Taxes

Why an FHA loan may be a suitable choice

April 28, 2017 by Scott Sheldon

Why your income is your lifeline to finance a home

 FHA loans have gotten a bad rap in the last few years. Here is the Granddaddy Truth about FHA loans, you should really consider if you are looking for mortgage options! FHA … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Refinance Loans Questions and Answers, Uncategorized Tagged With: 2017 FHA Loan Limits, best mortgage, buying a home, buying a single fmaily house, CA home buying, compare mortgages, Conventional, conventional loans, conventional mortgages, FHA, FHA 3.5%, FHA home loans, FHA mortgage, FHA preapproval, fha refinance, FHA refinancing

Expectations home buyers should have in today’s mortgage environment

April 7, 2017 by Scott Sheldon

expecation every home buyer should have

Getting a mortgage is every bit as arduous as you might think. The paperwork can be technical and complex. Here is what you should expect if you plan to buy a home … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Loan Qualifying Tagged With: best mortgage, buying a home, buying a house, CA home buying, conventional loans, conventional mortgages, documentation needed for refinancing, FHA Loans, FHA mortgage, Loan Documentation

Why there are no “Maybe Loans” in today’s lending world

April 3, 2017 by Scott Sheldon

why there are no maybe loans in todays market

Are you trying to qualify for mortgage financing? Giving a “scenario” to a lender without actually providing thorough financials and pulling credit is a recipe for disappointment. Here is what you really … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: CA home buying, credit score, mortgage, mortgage lender, Petaluma mortgage broker, real estate financing

Going backwards trying to save for a home?

March 23, 2017 by Scott Sheldon

How to get a mortgage if you've been furloughed to do to COVID_19

  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 … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: best mortgage, buying a home, buying a home with mortgage financing, buying a single fmaily house, buying second home, buying your first home, CA home buying, common mortgage mistake, Conventional, conventional mortgages, down payment, down payment assistance, down payment eligibility, Downpayment, FHA home loans, firs time home buyers, first time home purchase, how much down payment to buy a home, how to buy a home with low down payment, mortgag, primary home down payment funds, purchase real estate, santa rosa buying a house, Santa Rosa homebuying, sonoma county home buying

Is a 50 year mortgage a good move?

March 16, 2017 by Scott Sheldon

why your mortgage goals why not happen

Are you looking to afford a mortgage? A 50 year mortgage may be an option, but here are some things to consider when looking at a long mortgage term. These loans are … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a home, CA home buying, Conventional, FHA home loans, first time home purchase, home loan process, mortgage banks, mortgage lender, mortgage loan, purchase loans, Sonoma County home loans

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

Popular Posts

Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular

2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval

Why the purchase price in a real estate transaction should not be the single most important factor

Why the purchase price should not be the single most important factor

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to avoid getting a jumbo loan due to Coronavirus

Here are 2 mortgage process problems you will want to avoid

Filed Under: Credit Score Questions and Answers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to use seller carry financing to purchase a house with less cash down

Should you buy & build or buy a single family home?

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

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SonomaCountyMortgages.com

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Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
1450 Neotomas Ave Suite 115
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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