The Mortgage Files

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

What may happen with interest rates in 2023

What may happen with interest rates in 2023

By Scott Sheldon / November 7, 2021

With an unknown future, and the broader economy still recovering from the pandemic. What’s to happen with interest rates? Well, it’s. Well, interest rates typically improve on bad economic news. If you haven’t been watching the market, pay close attention to the following information… Generally, in the world of mortgages interest rates drive home buying…

Read More
Scott Sheldon's The Mortgage FIles Blog

HARP 2.0 Refinance: Get The "Real" Scoop

By Scott Sheldon / July 14, 2012

If you live in or own real estate in Sonoma County and need to refinance, the Harp 2.0 Refinance Program could be just the ticket to successfully reducing your interest rate and monthly mortgage payment. The Making Homes Affordable Program lifted their maximum loan-to-value requirements on March 18, 2012 for loans owned by Fannie Mae…

Read More