The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
Thinking of Lowballing Because the House Needs Work? Here’s the Reality.
Here’s a Better Way to Think About It If the home just hit the market—say it’s been listed for less than 30 days—it’s still considered “fresh.” In that case, offering within 5% of the list price is a good rule of thumb if you want to be taken seriously and still have room to negotiate.…
Read More about Thinking of Lowballing Because the House Needs Work? Here’s the Reality.Navigating Sonoma County’s Housing Market in 2025: What Buyers Need to Know
Sonoma County Home Buying in 2025: Navigating Economic Uncertainty and Affordability As a mortgage loan officer with two decades of experience, I’ve seen the housing market ebb and flow. In 2025, Sonoma County presents a unique blend of opportunities and challenges for prospective homebuyers. Economic uncertainties, fluctuating interest rates, and affordability concerns are at the…
Read More about Navigating Sonoma County’s Housing Market in 2025: What Buyers Need to Know