The Mortgage Files

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

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How to decide the right time to buy a home

By Scott Sheldon / October 22, 2020

One of the challenges people have when deciding to purchase a house is trying to pinpoint the right time to make the move. Everyone is in a different stage of life and pinpointing the optimal time can be a little bit tricky depending on one’s personal finances. Here are some things to consider when deciding…

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How to buy a home when you have one to sell first

Here Is The Biggest Obstacle First-Time Home Buyers Face And Its Not Credit Score

By Scott Sheldon / September 4, 2015

It is no secret the cost of housing is expensive. Rising rents, and a strong real estate market, make it harder for first-time buyers to get a piece of the American dream.  Buying a home means getting yourself credit worthy in these four areas: Credit Debt Income Assets If you do not know where you…

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