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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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Why your granny unit might ding your mortgage application

December 17, 2020 by Scott Sheldon

Why your granny unit might ding your mortgage application

People trying to refinance their mortgages to take advantage of favorable current market conditions might come to realize they have a problem with their house. A granny unit can be a wonderful … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, FHA Loans, Harp 2 Refinance Program, how to buy sonoma county real estate, Low Rates, mortgage rate quote, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

Why your mortgage loan application might be delayed

December 7, 2020 by Scott Sheldon

Why your mortgage loan application might be delayed

With interest rates being at historical lows more and more people are applying for mortgages and nationally mortgage banks and lenders across the country are experiencing unprecedented amounts of volume, expect delays. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying a house, cash out refinance, FHA Loans, home loan refinance, how to buy sonoma county real estate, qualify for a mortgage, shopping mortgage rates, Sonoma County Mortgage Rates

Types of mortgages that may cost more

September 9, 2020 by Scott Sheldon

common costly mortgages

It’s no surprise 30-year mortgage rates today are under 3% with good credit, good equity, and good income. What you might not know is that not all loan situations are considered equal. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA Loans, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

The number one thing you need to watch out for on FHA and VA mortgages

September 2, 2020 by Scott Sheldon

The number one thing you need to watch out for on FHA and VA mortgages

Both programs offer extremely attractive interest rates, incredibly flexible qualifying, and also support less than perfect credit. Overall the programs are very favorable to producing an outcome that is practical and affordable. … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, debt va mortgage to refinance a home, FHA Loans, how to buy sonoma county real estate, sonoma county home buying, VA, VA Loans

How the new PPP Loan may adversely affect your mortgage

May 11, 2020 by Scott Sheldon

how the ppp loan may hurt your mortgage

If you’re looking for mortgage loan financing and you have taking out or considering the new federal paycheck Protection Program mortgage loan here’s some things you need to know… Residential Mortgage financing … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, FHA Loans, home buying, sonoma county home buying, sonoma county refinancing

How to navigate mortgage appraisal situations during the Coronavirus pandemic

May 2, 2020 by Scott Sheldon

How to navigate mortgage appraisal situations during the Coronavirus pandemic

One of the things that have changed since the coronavirus has taken shape is how mortgage lenders are viewing appraisals. If you’re buying or refinancing a home here’s what you need to … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, FHA Loans, home loan refinance, refinancing my mortgage, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

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

Mortgage rate too good to be true? It probably is…

August 18, 2019 by Scott Sheldon

Why interest rates probably will not go down any lower

So, you got a mortgage rate that sounds too good to be true but now you can’t close Mortgage rates are presently near their historic lows on 30-year fixed rate mortgage with … [Read More…]

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, FHA Loans, home buying, home buying in Sonoma County, mortgage comparison shopping, mortgage rate, sonoma county home buying

Should you buy & build or buy a single family home?

June 23, 2019 by Scott Sheldon

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

  Purchasing a house is representative of so many different things in life depending on who you ask. Buying a lot and constructing is a monstrous project requiring long-term planning. Here’s some … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, CA home buying, FHA Loans, preapproval to buy a home, qualify for a mortgage, Sonoma County Mortgage Rates

Mortgages: why you need to read the fine print

May 5, 2019 by Scott Sheldon

How energy independence home improvement loans may affect your mortgage

Every consumer wants to get a fair and reasonable deal on the cost of borrowing funds refinance your home or purchase a home. However, what many people get fooled into is believing … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, cash out refinance, FHA Loans, home buying, mortgage loan comparison shopping, refinancing, Santa Rosa mortgages, shopping mortgage rates, sonoma county refinancing

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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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