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Sonoma County Mortgages

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FHA mortgage

Why an FHA Mortgage is by far the best out of the box loan option to buy a house

January 29, 2023 by Scott Sheldon

Why an FHA Mortgage is by far the best out of the box loan option to buy a house

FHA loans which are loans ensured by the federal housing administration oftentimes have gotten a bad rap, for the costs associated with them as well as the types of properties that will … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, FHA home loans, FHA Loans, FHA mortgage, get a home loan with 3.5 % down, home buying, home buying in Sonoma County, how fha loan to buy a home, how to buy sonoma county real estate, mortgage lender, mortgage payment, preapproval to buy a home, Santa Rosa mortgages

Should you take out an adjustable rate mortgage?

September 4, 2022 by Scott Sheldon

Should you take an adjustable rate mortgage

With interest rates as high as they are consumers want adjustable-rate mortgages for payment relief. If you’re thinking about an adjustable-rate mortgage versus a fixed-rate mortgage here are some things, you need … [Read More…]

Filed Under: Uncategorized Tagged With: Adjustable rate mortgage, ARM loan, buying a house, buying your first home, CA home buying, conventional loans, FHA mortgage, home buying, mortgage comparison shopping, sonoma county home buying

How changing your preapproved amount may affect your home buying chances

December 26, 2021 by Scott Sheldon

How changing your preapproved amount may affect your home buying chances

So, you’re looking to purchase a house, you’re preapproved, and you’re on the home search. You and your realtor are going out on nights and weekends looking at homes and deciding if … [Read More…]

Filed Under: Uncategorized Tagged With: 401k to buy home, best mortgage, CA home buying, FHA Loans, FHA mortgage, home buying, mortgage comparison shopping, mortgage lender, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgage, Sonoma County Mortgage Rates

Should you buy a house or keep saving? The answer might surprise you

June 21, 2021 by Scott Sheldon

Should you buy a house or keep saving? The answer might surprise you

In order to buy a house successfully unless you’re a military veteran using VA financing you absolutely need a down payment. Down payment assistance programs, no money down programs that do exist … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, cash out refinance, FHA mortgage, how to buy sonoma county real estate, preapproval to buy a home, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to spruce up your offer to buy a home

May 18, 2021 by Scott Sheldon

how to buy a home and make your offer stronger

Let’s say if you are in the market to be buying a home in the current environment here some things you might want to be aware of with regards to acting on … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, buying your first home, FHA Loans, FHA mortgage, how to buy sonoma county real estate, mortgage comparison shopping, purchase real estate, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS

These mortgage scenarios will almost always mean paying discount points

December 19, 2017 by Scott Sheldon

mortgage scenarios 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 … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Mortgage Shopping, Pre-Approval, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, compare mortgage rates Santa Rosa, conventional mortgages, discount points on mortgage, FHA mortgage, loan fees, Low Rates, mortgage comparison shopping, mortgages

Here is the dicey reality of renting vs buying in Sonoma County

November 20, 2017 by Scott Sheldon

how carrying a rental home may impact your mortgage qualifying

Whether you buy a home or rent a home you will still have a housing payment obligation to make each month. The unfortunate reality in Sonoma County, CA is that in many … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, conventional mortgages, FHA 203H, FHA mortgage, home loan refinance, Low down mortgage, no down payment mortgage Santa Rosa, qualifying for a mortgage, SONOMA COUNTY LOANS

Here is the lowest credit score you need to get a mortgage

May 5, 2017 by Scott Sheldon

lowest credit score to get a mortgage

Contrary to what you may hear or read, your credit does not have to be stellar to get a mortgage. Most banks and lenders require at least a 640 credit score. However, … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, cash out refinance, conventional mortgages, FHA mortgage, Low credit score loans, sonoma county home buying

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Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

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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