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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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Should you Cash out refinance and remodel or buy another property?

November 10, 2019 by Scott Sheldon

should you cash out refinance or buy a new home

Homeowners who have outgrown their houses may be considering the possibility of buying another property or just staying put and remodeling the one they already have. Here are some things to consider … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, home buying, home loan refinance, sonoma county home buying, Sonoma County Mortgage Rates

Mortgage rate too good to be true? It probably is…

August 18, 2019 by Scott Sheldon

What to expect with mortgage rates over the next few months

So, you got a mortgage rate that sounds too good to be true but now you can’t close Mortgage rates are presently near their historic lows on 30-year fixed rate mortgage with … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, FHA Loans, home buying, home buying in Sonoma County, mortgage comparison shopping, mortgage rate, sonoma county home buying

What you need to know about the mortgage 4506T document

July 14, 2019 by Scott Sheldon

what to know about a mortgage 4506t

What you need to know about the mortgage 4506 document when purchasing or refinancing a house When you’re taking on a mortgage to purchase or refinance a property you must provide an … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, home loan refinance, qualifying for a mortgage, Santa Rosa mortgages

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

Here’s how much more expensive your mortgage will be due to bad credit

June 16, 2019 by Scott Sheldon

5 credit mistakes to avoid when getting a mortgage

Here’s how much more expensive your mortgage will be due to bad credit If you’re thinking about getting mortgage loan financing one of the most important things you can do to keep … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, Conventional, FHA, home buying, low credit home loans, Santa Rosa mortgages

Be careful getting a mortgage if you have a bankruptcy

May 26, 2019 by Scott Sheldon

be careful getting a mortgage with a bankruptcy

A bankruptcy can possibly be a detrimental blow to your mortgage chances if it’s not handled in the right way. Following is what you should take into consideration if you have a … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, cash out refinance, home loan refinance, Santa Rosa mortgage, SONOMA COUNTY LOANS

Mortgages: why you need to read the fine print

May 5, 2019 by Scott Sheldon

mortgages: why you need to read the fine print

Every consumer wants to get a fair and reasonable deal on the cost of borrowing funds refinance your home or purchase a home. However, what many people get fooled into is believing … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, cash out refinance, FHA Loans, home buying, mortgage loan comparison shopping, refinancing, Santa Rosa mortgages, shopping mortgage rates, sonoma county refinancing

Here’s what you should be focused on when buying a home and it’s not the purchase price

April 5, 2019 by Scott Sheldon

why purchase price is not the most important thing when buying a home

Buying a home for the first time or even a second or third time is a detailed and meticulous endeavor that should be carefully considered by weighing out all your options. Consider … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, cash out refinance, first time buyer, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS

Common questions on financed pmi mortgage loans

February 26, 2019 by Scott Sheldon

common questions for financed pmi mortgages

The two most common loans available in the marketplace are Conventional loans and FHA Loans. FHA Loans are insured by the Federal Housing Administration and Conventional mortgages are backed by Fannie Mae … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, cash out refinance, home buying, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county refinancing

These two conventional mortgage loan programs will get you a better interest rate and terms

January 22, 2019 by Scott Sheldon

These two conventional mortgage loan programs will get you a better interest rate and terms

When you’re buying or refinancing a house it goes without saying you want to get a competitive interest rate with favorable terms associated with the money you are borrowing. Two programs that … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying Tagged With: buying a house, cash out refinance, FHA Loans, how to buy sonoma county real estate, mortgage comparison shopping, mortgage lender, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

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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.

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