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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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How much of your mortgage income should be going towards an auto loan

January 15, 2019 by Scott Sheldon

payment to income for a car loan mortgage

Buying a house can always be a daunting consuming feat. Caring consumer obligations such as car loans can further complicate a picture of that otherwise could be more financially lucrative. When you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying Tagged With: BAD CREDIT MORTGAGE, buying your first home, car loans, cash out refinance, debt-to-income, home buying, mortgage rate quote, sonoma county refinancing

2019 Conforming Loan Limits Rise

December 4, 2018 by Scott Sheldon

2019 conforming loan limits increase

The Federal Housing Finance Agency on November 28th raised the conforming and high balance loan limits for a Fannie Mae and Freddie Mac loans. Here’s what these changes will mean… Each year … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, cash out refinance, conventional mortgages, home buying, Low Rates, SONOMA COUNTY LOANS, sonoma county refinancing

How child support and alimony can affect your ability to get a mortgage

October 16, 2018 by Scott Sheldon

how child support and alimony can affect your mortgage

How child support and alimony can affect your ability to get a mortgage When you apply to purchase or refinance a home the mortgage lender takes into consideration all your monthly fixed … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, FHA Loans, home buying, sonoma county home buying, sonoma county refinancing

What to look for in a mortgage lender when buying a home

July 3, 2018 by Scott Sheldon

what to look for in a lender to buy a home

Contrary to widespread belief not all mortgage companies work the same. Buying a house is generally thought of as the most important financial transaction of your life and as such should be … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying your first home, home buying, mortgage lender, Santa Rosa mortgage, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Why the house that needs work should not be overlooked

June 11, 2018 by Scott Sheldon

why the house that needs work should not be overlooked

If you’re purchasing a house whether it’s a primary home move up home or secondary home and the house needs work, don’t shy away from that. Here’s what you might want to … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, buying your first home, home buying, home repairs to buy, qualifying for a mortgage, sonoma county home buying

Why you need to buy a house if you have access to cash

March 28, 2018 by Scott Sheldon

how much are closing costs to buy a home

Buying a house is probably the largest financial transaction most people will ever take on. Following is why you need to consider purchasing a house if you have access to cash… Buying … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, buying a home, buying your first home, CA home buying, FHA Loans, home buying, how to buy sonoma county real estate, mortgage rate quote, Santa Rosa mortgages

The only 5 guaranteed ways to boost borrowing power

March 8, 2018 by Scott Sheldon

fha loan limits increase for 2019

Interest rates are on the rise and the cost of funds is now hovering just below 5% on the average 30-year fixed-rate mortgage. Following are tried and true techniques you can use … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: BAD CREDIT MORTGAGE, borrowing power to buy a home, buying a house, credit score, first time home buyer, home buying, mortgage comparison shopping, sonoma county refinancing

2 things to watch for buying a house in 2018

January 1, 2018 by Scott Sheldon

How much of your income should go towards a mortgage payment

This local county housing market continues to evolve and show strong signs of growth and appreciation. Here is what you need to know if you are going to be buying a house … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: home buying, qualifying for a mortgage, refinancing, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

How your mortgage payment changes per every $100,000 in purchase price

December 11, 2017 by Scott Sheldon

How much of your income should go towards a mortgage payment

One of the questions home buyers have when house hunting is the relationship between their monthly mortgage payment and how much purchase price they are looking to take on. Here’s what you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Mortgage Shopping, Uncategorized Tagged With: 100k down payment, home buying, less than 20% down mortgage loans, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS

How much does it cost to refinance your mortgage?

November 14, 2017 by sonomacountym

how to get a mortgage without tax returns

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

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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.

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