The Mortgage Files

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

Expectations home buyers should have in today’s mortgage environment

By Scott Sheldon / April 7, 2017

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 in 2017 or beyond. The reality is that the mortgage industry screwed up America, and the better part of the world, and paved…

How Conventional Loans Can Get Pricey

By Scott Sheldon / May 21, 2015

 Conventional loans are crème de la crème of home mortgage market. This loan type offers the best possible terms and fees along sustainable long-term affordability. Little equity and credit blemishes can make your mortgage more pricey. What to know… Conventional Loans Mortgages originated by banks, lenders and brokers across the country and sold on the…