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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

How much does it cost to refinance your mortgage?

November 14, 2017 by sonomacountym

bank statement program for getting a mortgage

If you’re trying to refinance your mortgage you should know what the costs are really are going to be and how they play into the mathematical equation of the total picture. Here’s … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, cash out refinance, conventional mortgages, Harp 2 Refinance Program, home buying, how to buy sonoma county real estate, Low Rates, sonoma county refinancing

Why this factor will not matter when refinancing

June 6, 2017 by Scott Sheldon

15% down to buy a rental

If it has been a few years since you took out a mortgage loan, be prepared for questions, and to thoroughly document everything. A critical characteristic of good character is payment history. … [Read More…]

Filed Under: Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: FHA Loans, Harp 2 Refinance Program, mortgage comparison shopping, mortgage rate quote, qualifying for a mortgage, refinance

Why you cannot opt out of title insurance when getting a mortgage

April 21, 2017 by Scott Sheldon

why you cannot opt out of title insurance

If you are like most consumers, you want to have a clear understanding of the fees associated with a mortgage. The closing process, lender fees, title fees, etc. This is so you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, FHA Loans, Harp 2 Refinance Program, home buying, mortgages, preapproval to buy a home, sonoma county refinancing

Which option makes the most sense for cash out refinancing?

November 25, 2016 by Scott Sheldon

Which option makes the most sense for cash out refinancing?

If you have the need to borrow money, but you don’t want to tap your assets cash out refinancing your home could be a good move. Here’s what to consider when determining … [Read More…]

Filed Under: Economic News, Interest Rates, Invesment Properties/Second Homes Tagged With: banks and credit unions, cash out refinance, Harp 2 Refinance Program, home equity loans, home loan refinance, Low Rates, mortgages

Should you really buy that home?

October 12, 2016 by Scott Sheldon

what to know when getting a va mortgage

Buying a home is no easy feat. There’s a lot of paperwork and you need to be on top of your to secure the big ticket purchase. How do determine if you … [Read More…]

Filed Under: Interest Rates, Invesment Properties/Second Homes, Jumbo Loans Tagged With: BAD CREDIT MORTGAGE, buying your first home, Harp 2 Refinance Program, home buying, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, preapproval to buy a home, sonoma county home buying

Getting a mortgage is still not an easy process

August 25, 2016 by Scott Sheldon

why your mortgage goals why not happen

Well it might appear as though getting a mortgage is easier than it was a few years ago, the process is still dicey.  It is no secret in the industry the majority … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, cash out refinance, FHA Loans, FHA mortgage, Harp 2 Refinance Program, home loan refinance, how to buy sonoma county real estate, mortgage lender, mortgages, sonoma county home buying, sonoma county refinancing

Refinancing: 4 Practical Money Saving Ways To Combine A First & Second Mortgage

December 22, 2015 by Scott Sheldon

santa rosa mortgage refinance first and second loan

Do you want to combine your first and second mortgage into one? Here’s 4 smart some money savings tips to be aware of when you submit a loan application. When you apply … [Read More…]

Filed Under: Invesment Properties/Second Homes, Jumbo Loans, Loan Qualifying, Mortgage Shopping Tagged With: cash out refinance, Harp 2 Refinance Program, home loan refinance, loan programs, Low Rates, qualifying for a mortgage, sonoma county refinancing

Mortgage Loan Fees You Need To Know

March 22, 2015 by Scott Sheldon

Unconventional way to pay off your home faster

Let’s cut to the chase obtaining a mortgage to buy a home or refinance one you already own is not cheap. There’s no two ways about it. Encumbering property is going to … [Read More…]

Filed Under: Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, buying your first home, Harp 2 Refinance Program, home buying, loan preapproval, shopping mortgage rates, sonoma county refinancing

Does My Loan Type Hurt My Credit Score?

February 28, 2015 by Scott Sheldon

Does Improving Your Credit Score For A Mortgage Pencil Out?

Future favorable financing deals, low rates and preferred credit offerings all will be available depending on how well you manage the grandaddy credit type: a mortgage loan. Generally, when you take out … [Read More…]

Filed Under: Credit Score Info, First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, credit score, FHA Loans, Harp 2 Refinance Program, loan programs, shopping mortgage rates

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

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Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular

2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

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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

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

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

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

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

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SonomaCountyMortgages.com

Location & Contact

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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