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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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Should you buy a condo or a single family home?

June 26, 2020 by Scott Sheldon

Should you buy a condominium or should you purchase a house

When it comes to purchasing a home especially a first home what you decide to purchase can affect your affordability. Here’s what you might want to think about when you’re deciding to … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying your first home, condo, FHA home loans, home buying, how to buy sonoma county real estate, Low Rates, mortgage, preapproval to buy a home, qualifying for a mortgage, sonoma county ca mortgages

Why interest rates will probably not get any lower

June 11, 2020 by Scott Sheldon

Why interest rates probably will not go down any lower

Interest rates are a big driver of the mortgage market. People purchasing houses and refinancing houses are taking advantage of today’s historically low rates. Here are some fundamentals you should be aware … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, FHA home loans, home loan refinance, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How the FHA 100 mile rule limits your ability to rent out and buy a home

December 26, 2019 by Scott Sheldon

What you need to know if you are seeking an FHA mortgage with student loans

FHA Loans are one of the most flexible loan programs available in the US housing market today. They are incredibly flexible only require a 3.5% down payment and offers very makes sense … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: FHA, fha buy a new home, FHA home loans, FHA Loans, income needed for fha loan, qualifying for a mortgage, sonoma county home buying, Sonoma County home loans

Why the purchase price should not be the single most important factor

September 8, 2019 by Scott Sheldon

Why the purchase price in a real estate transaction should not be the single most important factor

When buying a home most would believe the number one most important thing you need to be focused on is what you pay for the house. Mom and dad who bought their … [Read More…]

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, buying your first home, FHA home loans, home buying, preapproval to buy a home, qualifying for a mortgage, sonoma county home buying

Here are 2 mortgage process problems you will want to avoid

July 28, 2019 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

Securing mortgage loan financing is the cornerstone of financial prosperity in America. It’s one of the biggest decisions you’ll ever take on your life. Here’s watch to avoid when applying for a … [Read More…]

Filed Under: Credit Score Questions and Answers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers Tagged With: BAD CREDIT MORTGAGE, buying a house, FHA home loans, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, 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

Tax return losses may hurt your mortgage chances

May 23, 2017 by Scott Sheldon

Qualifying for a mortgage involves: an acceptable credit score, sufficient assets and stable income. These are to show you can support a mortgage payment, plus other liabilities. You must have a balance … [Read More…]

Filed Under: First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Uncategorized Tagged With: buying a home, buying your first home, CA home buying, cash out refinance, Conventional, conventional loans, conventional mortgages, FHA, FHA home loans, FHA Loans, FHA mortgages, FHA refinancing, firs time home buyers, home loan refinance, No Cash Out Refinance, Santa Rosa refinancing, Tax, tax returns, Taxes

Why an FHA loan may be a suitable choice

April 28, 2017 by Scott Sheldon

Why your income is your lifeline to finance a home

 FHA loans have gotten a bad rap in the last few years. Here is the Granddaddy Truth about FHA loans, you should really consider if you are looking for mortgage options! FHA … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Refinance Loans Questions and Answers, Uncategorized Tagged With: 2017 FHA Loan Limits, best mortgage, buying a home, buying a single fmaily house, CA home buying, compare mortgages, Conventional, conventional loans, conventional mortgages, FHA, FHA 3.5%, FHA home loans, FHA mortgage, FHA preapproval, fha refinance, FHA refinancing

Going backwards trying to save for a home?

March 23, 2017 by Scott Sheldon

How to get a mortgage if you've been furloughed to do to COVID_19

  Do you need help saving to buy a house? What you think you need and what you actually need may not be the same. Here is what you should know when … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: best mortgage, buying a home, buying a home with mortgage financing, buying a single fmaily house, buying second home, buying your first home, CA home buying, common mortgage mistake, Conventional, conventional mortgages, down payment, down payment assistance, down payment eligibility, Downpayment, FHA home loans, firs time home buyers, first time home purchase, how much down payment to buy a home, how to buy a home with low down payment, mortgag, primary home down payment funds, purchase real estate, santa rosa buying a house, Santa Rosa homebuying, sonoma county home buying

Is a 50 year mortgage a good move?

March 16, 2017 by Scott Sheldon

why your mortgage goals why not happen

Are you looking to afford a mortgage? A 50 year mortgage may be an option, but here are some things to consider when looking at a long mortgage term. These loans are … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a home, CA home buying, Conventional, FHA home loans, first time home purchase, home loan process, mortgage banks, mortgage lender, mortgage loan, purchase loans, Sonoma County home loans

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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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