• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Sonoma County Mortgages

Contact Us About Mortgage Financing

All financing provided by New American Funding

(707) 217-4000 | Prequalify Now

Search Sonoma County Mortgages

  • Home
  • Purchase
    • How Much Down Payment To Buy A Home?
    • How Much Income You Need To Buy A Home
    • How Much Should I Save For Buying A Home?
      • How Rates Affect Payment
    • No PMI Mortgages
    • FHA Loans
    • Sonoma County Disaster Loans
    • Jumbo Loans
  • Refinance
    • Mortgage Rates
    • Does It Make Sense To Refinance?
      • Get Your Refi Paperwork In Order
    • How To Pay Off Your Loan Faster
    • How To Remove PMI
    • How Lenders Price & Quote Loans
  • Loan Programs
  • Payment Calculator
    • Mortgage Affordability Calculator
  • Blog
  • Videos
  • About SCM
  • About Scott Sheldon

Primary Sidebar

Sonoma County Mortgages is a part of New American Funding

New American Funding - NMLS #6606

Get Your Latest Rate Quote Now!

credit score

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

How Covid_19 completely changed mortgage rates

August 14, 2021 by Scott Sheldon

mortgages rates and covid 19

It is no surprise Covid has influenced mortgage interest rates in the last 12 months. The coronavirus and its effect on the economy in particular the financial markets have been unprecedented, to … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, credit score, home buying, how to buy sonoma county real estate, shopping mortgage rates, Sonoma County Mortgage Rates, sonoma county refinancing

Can you get a mortgage with a brand new job or a recent raise?

June 14, 2021 by Scott Sheldon

New Jobs and Mortgages

One of the most important things consumers have to deal with when securing mortgage loan financing besides having a good credit score and a good down payment is having income to actually … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, credit score, home buying, mortgage comparison shopping, purchase real estate, qualifying for a mortgage, SONOMA COUNTY LOANS

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

The only 5 guaranteed ways to boost borrowing power

March 8, 2018 by Scott Sheldon

How to use seller carry financing to purchase a house with less cash down

Interest rates are on the rise and the cost of funds is now hovering just below 5% on the average 30-year fixed-rate mortgage. Following are tried and true techniques you can use … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, borrowing power to buy a home, buying a house, credit score, first time home buyer, home buying, mortgage comparison shopping, sonoma county refinancing

How mortgage borrowers can hurt their chances for obtaining credit

March 2, 2018 by Scott Sheldon

Why you shouldn't be solely focused on credit when it comes to getting a mortgage

Avoid these common credit blunders when applying for home loan The mortgage industry relies on accurate credit reporting to make credit decisions when granting people home mortgages. Here’s some of the things … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, credit, credit score, mortgage comparison shopping, qualifying for a mortgage, Santa Rosa mortgages, sonoma county refinancing

How to decide when it’s time to get a cosigner

September 13, 2017 by Scott Sheldon

How to decide when it’s time to get a cosigner for your mortgage Securing mortgage financing with a unique scenario can be a challenging endeavor. If your income is not enough or … [Read More…]

Filed Under: Interest Rates, Mortgage Shopping, Pre-Approval, Uncategorized Tagged With: buying a house, buying your first home, cash out refinance, credit score, FHA home loans, home buying, home loan refinance, preapproval to buy a home, qualifying for a mortgage

Why there are no “Maybe Loans” in today’s lending world

April 3, 2017 by Scott Sheldon

why there are no maybe loans in todays market

Are you trying to qualify for mortgage financing? Giving a “scenario” to a lender without actually providing thorough financials and pulling credit is a recipe for disappointment. Here is what you really … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: CA home buying, credit score, mortgage, mortgage lender, Petaluma mortgage broker, real estate financing

Next Page »

Get Sonoma County Mortgages News and Updates in Your Inbox

Footer

SCM on Facebook

SonomaCountyMortgages.com

Connect on Facebook

SCM On Instagram

Follow Sonoma County Mortgages on Instagram

Follow on Instagram

SCM on Zillow

Zillow Reviews for Scott Sheldon, New American Funding

See Reviews on Zillow

Location & Contact

Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
2455 Bennett Valley Road C107
Santa Rosa, CA 95405
1-707-217-4000
View SCM Map | Email Us!

Map of Sonoma County Mortgages New American Financing Office

View Map on Google

Copyright 2010–2023 SonomaCountyMortgages.com · About Us · Sonoma County Loans · Privacy Policy · Terms Of Use · Legal · Site Map

NMLS Consumer Access © New American Funding. All rights Reserved. NMLS ID#6606.
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.

State Licensing (Opens in New Window) | Privacy (Opens in New Window)
Terms of Use (Opens in New Window) | Electronic Consent Agreement (Opens in New Window)
Opens in new window Opens an external site Opens an external site in a new window