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Sonoma County Mortgages

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credit score

Does Improving Your Credit Score For A Mortgage Pencil Out?

September 7, 2015 by Scott Sheldon

Does Improving Your Credit Score For A Mortgage Pencil Out?

Credit is the biggest hot button topic in mortgage lending by far. Most would probably agree, any time you can raise your credit score to improve your mortgage scenario, take advantage of … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, credit score, loan programs, sonoma county home buying, SONOMA COUNTY LOANS

How Solid Is Your Loan Pre-Approval?

July 30, 2015 by Scott Sheldon

If you hear a lender toting they can preapprove you in just a few minutes, stop and run in the other direction- fast. A real pre approval is much more than a … [Read More…]

Filed Under: Loan Programs, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a house, Credit Markets, credit score, FHA mortgage, home buying, home buying in Sonoma County, pre-approval, shopping mortgage rates, SONOMA COUNTY LOANS

How To Save When Refinancing A Mortgage Bigger Than 417k

June 12, 2015 by Scott Sheldon

2018 high balance mortgage loans

If recent mortgage rate movement has spooked you into refinancing, you’ll want make sure to pay particularly close attention if your loan size is bigger than $417,000. Jumbo investors in the marketplace … [Read More…]

Filed Under: Jumbo Loans Tagged With: credit score, home loan refinance, jumbo mortgages, mortgage comparison shopping, refinancing my mortgage, Sonoma County home loans

How Conventional Loans Can Get Pricey

May 21, 2015 by Scott Sheldon

one smart move for getting a mortgage

 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 … [Read More…]

Filed Under: Credit Score Info, Loan Programs Tagged With: conventional loans, credit for sonoma county mortgage, credit score, interest rates

Does My Loan Type Hurt My Credit Score?

February 28, 2015 by Scott Sheldon

Does Improving Your Credit Score For A Mortgage Pencil Out?

Future favorable financing deals, low rates and preferred credit offerings all will be available depending on how well you manage the grandaddy credit type: a mortgage loan. Generally, when you take out … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, credit score, FHA Loans, Harp 2 Refinance Program, loan programs, shopping mortgage rates

Its Not Just Your Credit Score That Counts For Getting A Mortgage

May 18, 2014 by Scott Sheldon

The credit and financial choices you make today shape your future chances of procuring credit. If have a tarnished credit history, while you still may be able to qualify, it will be … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Qualifying Tagged With: credit score, minimum credit score for loan

Do I really need to get a second pre-approval when buying a house?

January 22, 2013 by Scott Sheldon

In short sometimes. Here’s what happens, the bank that owns the property is typically trying to control the transaction both on the listing side as well as on the buying side. Example-a … [Read More…]

Filed Under: Credit Score Questions and Answers, Purchase Mortgage Loans Questions and Answers Tagged With: buying a house, credit score, home buying, preapproval to buy a home

What credit score do I need for a VA home loan?

December 18, 2012 by Scott Sheldon

While HUD, does not have a minimal credit score requirement for VA loans, or even FHA loans, most lenders have a credit score requirement of at least 640 or higher in order … [Read More…]

Filed Under: Credit Score Questions and Answers Tagged With: credit score, home buying, Va Mortgages

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Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
2455 Bennett Valley Road C107
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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