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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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Which company you chose to handle your home refinance matters

August 25, 2020 by Scott Sheldon

Which company you chose to handle your home refinance matters

Should you refinance your house with the random mortgage company offering you what appears to be too good to be true? Maybe…read on. One of the things which play in the mortgage … [Read More…]

Filed Under: Uncategorized Tagged With: conventional mortgages, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How energy independence home improvement loans may affect your mortgage

May 28, 2020 by Scott Sheldon

How energy independence home improvement loans may affect your mortgage

If you’re going to be doing a refinance of your house and you have an energy Independence program that’s built into your real estate taxes- here is what you need to know. … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, conventional mortgages, home loan refinance, Santa Rosa mortgages, sonoma county refinancing

How to avoid getting a jumbo loan due to Coronavirus

April 22, 2020 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

Securing mortgage loan financing right has become a little bit of a challenge for some families desiring to borrow money. Here are some considerations you need to be aware of if you’re … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: buying a home, buying a house, buying your first home, conventional mortgages, covid19, jumbo mortgage, preapproval to buy a home, sonoma county refinancing

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

August 18, 2019 by Scott Sheldon

Why interest rates probably will not go down any lower

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

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

5 quirky refinance scenarios that work

January 8, 2019 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

5 quirky refinance scenarios that work In the last few years mortgage lending guidelines have begun to loosen as the broader economy is stronger now that the recession has past. Following refinance … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, credit score, FHA Loans, home loan refinance, qualifying for a mortgage, Santa Rosa mortgages, sonoma county refinancing

2019 Conforming Loan Limits Rise

December 4, 2018 by Scott Sheldon

2019 conforming loan limits increase

The Federal Housing Finance Agency on November 28th raised the conforming and high balance loan limits for a Fannie Mae and Freddie Mac loans. Here’s what these changes will mean… Each year … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, cash out refinance, conventional mortgages, home buying, Low Rates, SONOMA COUNTY LOANS, sonoma county refinancing

These mortgage scenarios will almost always mean paying discount points

December 19, 2017 by Scott Sheldon

mortgage scenarios discount points

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 … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Mortgage Shopping, Pre-Approval, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, compare mortgage rates Santa Rosa, conventional mortgages, discount points on mortgage, FHA mortgage, loan fees, Low Rates, mortgage comparison shopping, mortgages

Here is the dicey reality of renting vs buying in Sonoma County

November 20, 2017 by Scott Sheldon

how carrying a rental home may impact your mortgage qualifying

Whether you buy a home or rent a home you will still have a housing payment obligation to make each month. The unfortunate reality in Sonoma County, CA is that in many … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, conventional mortgages, FHA 203H, FHA mortgage, home loan refinance, Low down mortgage, no down payment mortgage Santa Rosa, qualifying for a mortgage, SONOMA COUNTY LOANS

How much does it cost to refinance your mortgage?

November 14, 2017 by sonomacountym

bank statement program for getting a mortgage

If you’re trying to refinance your mortgage you should know what the costs are really are going to be and how they play into the mathematical equation of the total picture. Here’s … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, cash out refinance, conventional mortgages, Harp 2 Refinance Program, home buying, how to buy sonoma county real estate, Low Rates, sonoma county refinancing

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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. 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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