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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 to omit debt when applying for a mortgage

March 13, 2018 by Scott Sheldon

How to omit debt when applying for a mortgage

To successfully procure mortgage loan financing you must have an equal blend of cash, credit and income. This blend of cash credit and income, also involves the examination of your ongoing reoccurring … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Uncategorized Tagged With: buying a house, buying your first home, home loan refinance, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgages

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

November 20, 2017 by Scott Sheldon

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

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

How to spot a ridiculous mortgage offer

October 17, 2017 by sonomacountym

How to spot a ridiculous mortgage offer

You’ve seen them on the internet and in your mail box, the too good to be true mortgage offer. Here is the truth with regards to mortgage offers that seem too attractive… … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: banks and credit unions, buying a house, home loan refinance, mortgage comparison shopping, sonoma county refinancing

How to decide when it’s time to get a cosigner

September 13, 2017 by Scott Sheldon

How to decide when it’s time to get a cosigner

How to decide when it’s time to get a cosigner for your mortgage Securing mortgage financing with a unique scenario can be a challenging endeavor. If your income is not enough or … [Read More…]

Filed Under: Interest Rates, Mortgage Shopping, Pre-Approval, Uncategorized Tagged With: buying a house, buying your first home, cash out refinance, credit score, FHA home loans, home buying, home loan refinance, preapproval to buy a home, qualifying for a mortgage

The truth about how credit scores relate to mortgages

August 29, 2017 by Scott Sheldon

The truth about how credit scores relate to mortgages

Credit scores are incredibly important when secure a mortgage financing. They are however only one leg of a four-leg table. Here’s what to remember about credit scores and home loans. *Credit scores … [Read More…]

Filed Under: Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval, Uncategorized Tagged With: home loan refinance, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

Tax return losses may hurt your mortgage chances

May 23, 2017 by Scott Sheldon

Tax return losses may hurt your mortgage chances

Qualifying for a mortgage involves: an acceptable credit score, sufficient assets and stable income. These are to show you can support a mortgage payment, plus other liabilities. You must have a balance … [Read More…]

Filed Under: First Time Home Buyers, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval, Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers, Uncategorized Tagged With: buying a home, buying your first home, CA home buying, cash out refinance, Conventional, conventional loans, conventional mortgages, FHA, FHA home loans, FHA Loans, FHA mortgages, FHA refinancing, firs time home buyers, home loan refinance, No Cash Out Refinance, Santa Rosa refinancing, Tax, tax returns, Taxes

How to remove private mortgage insurance

May 16, 2017 by Scott Sheldon

How to remove private mortgage insurance

There is too much information circling around the internet, about how to remove mortgage insurance from your monthly mortgage payment. Unfortunately, it is not as simple as having 20% home equity either. … [Read More…]

Filed Under: Credit Score Info, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, conventional mortgages, FHA Loans, home loan refinance, mortgage comparison shopping, pmi, Remove Pmi, SONOMA COUNTY LOANS

How to get a down payment to buy a home

February 2, 2017 by Scott Sheldon

How to get a down payment to buy a home

In order to buy a home, you need to have a balance of good credit, manageable debt, stable income and sufficient savings. Maintaining a balance between these four categories is challenging enough … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: buying a house, conventional mortgages, home loan refinance, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, qualifying for a mortgage, Santa Rosa mortgages

The factors that determine your loan fees

January 5, 2017 by Scott Sheldon

The factors that determine your loan fees

Costs to secure your financing are a big factor when it comes time to getting a mortgage. Knowing why your loan costs (X) dollars is critical in being able to better understand … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Popular, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, home buying, home loan refinance, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, SONOMA COUNTY LOANS

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

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SonomaCountyMortgages.com

Location & Contact

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
3558 Round Barn Blvd Suite 200
Santa Rosa, CA 95403
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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