The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
Rate Buydowns in Sonoma County: What Buyers Need to Know in 2026
Rate buydowns can lower a Sonoma County home payment, but temporary and permanent options work very differently. Learn what to compare before you commit.
Read More about Rate Buydowns in Sonoma County: What Buyers Need to Know in 2026These mortgage scenarios will almost always mean paying 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 to pay discount points. Following are those ways… It is reasonable to assume when refinancing with a lower than 660 credit score on…
Read More about These mortgage scenarios will almost always mean paying discount pointsMortgages: How to find the net tangible benefit through the fees, rate and payment
When shopping for a mortgage, it’s critical to have a general understanding of how the fees, rate and payment all connect to your bottom line. Here are tips better to identify your net tangible benefit on a home loan… Rates & fees The cost of an interest rate (mortgage pricing) moves with ebb and flow…
Read More about Mortgages: How to find the net tangible benefit through the fees, rate and payment