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Sonoma County Mortgages

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Why failing banks is good news for mortgage rates

May 22, 2023 by Scott Sheldon

why failing banks is good new for mortgage rates

In the last few weeks, a handful of big banks have failed including Silicon Valley bank signature bank, and now First Republic Bank. While this is not a repeat of 2008, it … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, buying a house, cash out refinance, conventional mortgages, FHA Loans, Harp 2 Refinance Program, home buying, home loan refinance, how to buy sonoma county real estate, mortgage rate quote, preapproval to buy a home, Sonoma County Mortgage Rates

What the bank or credit union may not be telling about their juicy mortgage offer

May 14, 2023 by Scott Sheldon

What the bank or credit union may not be telling about their juicy mortgage offer

You just went into a contract to buy a home, and now it’s time to get a mortgage loan to close escrow. If you decide to ask your local credit union or … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, cash out refinance, conventional mortgages, home buying in Sonoma County, home loan refinance, Low Rates, mortgage comparison shopping, mortgage rate quote, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to avoid common self employed mortgage mistakes

April 30, 2023 by Scott Sheldon

How to avoid common self employed mortgage mistakes

If you’re self-employed and trying to get prequalified to buy a home period it is not only the income you show on paper,  the total picture matters. Here’s what you need to … [Read More…]

Filed Under: Uncategorized Tagged With: CA home buying, cash out refinance, conventional mortgages, FHA home loans, home buying in Sonoma County, how to buy sonoma county real estate, mortgage rate quote, self employment, SONOMA COUNTY LOANS, 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

What’s the magic interest rate to refinance your mortgage?

February 5, 2023 by Scott Sheldon

interest rate to refinance my mortgage

For consumers who purchased their homes or took out any kind of residential mortgage loan in 2022 the future prospect of refinancing can seem very attractive. Here are some things you might … [Read More…]

Filed Under: Uncategorized Tagged With: appraisal to refinance, cash out refinance, how to refinance my mortgage, mortgage comparison shopping, mortgage lender, mortgage rate quote, shopping mortgage rates, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Why you might want to consider a DSCR loan to buy a rental property

January 22, 2023 by Scott Sheldon

how DSCR Loan work to buy rental homes

What is a DSCR loan and how can this type of financing help you purchase a rental property portfolio? In Q3 2022, the DSCR loan emerged as a viable option for investors … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA Loans, home loan refinance, how to buy sonoma county real estate, qualify for a mortgage, qualifying for a mortgage, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

What to do when you’re told you can’t qualify for a mortgage

December 25, 2022 by Scott Sheldon

what to do when you are told you cannot qualify for a mortgage

If you’re trying to purchase or refinance a home and you’ve been turned down, read on. Perhaps your income is not up to par, or your credit score is not up to … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying your first home, cash out refinance, qualifying for a mortgage, Santa Rosa mortgages, sonoma county refinancing

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Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
2455 Bennett Valley Road C107
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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