The Mortgage Files

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

What's going to happen with interest rates in 2022

What’s going to happen with interest rates in 2022

By Scott Sheldon / January 2, 2022

One of the big questions on the minds of consumers looking to purchase or refinance a home is what’s going to happen with interest rates in 2022. Interest rates, while they remain at historical lows, may experience some movement in 2022. Here’s what you should come to expect if you’re going to be buying a…

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mortgage scenarios discount points

These mortgage scenarios will almost always mean paying discount points

By Scott Sheldon / December 19, 2017

Discount point are nothing more than upfront head you pay to purchase a lower interest rate and subsequently a lower monthly payment. In some case the you may not have a choice to pay discount points. Following are those ways… It is reasonable to assume when refinancing with a lower than 660 credit score on…

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The Truth About The Media’s Reporting On Interest Rates

The Truth About The Media’s Reporting On Interest Rates

By Scott Sheldon / September 2, 2015

Have ever heard about mortgage rates in the media only to then call a mortgage company and receive conflicting information? Here is why the media’s reporting on rates should be taken with a grain of salt… Know this-real time information is critical. When you hear about mortgage rates moving in the news, by the time…

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Scott Sheldon's The Mortgage FIles Blog

Mortgage Shop Santa Rosa

By Scott Sheldon / November 29, 2010

To Mortgage Shop Santa Rosa be prepared for current mortgage rates to change frequently. Everyone knows they should Mortgage Shop Santa Rosa at least on a preliminary level makes sense in order to compare the most current mortgage rates on any home loan. Unlike shopping for a car or a camera to begin your mortgage…

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