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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 mortgage loan application might be delayed

December 7, 2020 by Scott Sheldon

Why your mortgage loan application might be delayed

With interest rates being at historical lows more and more people are applying for mortgages and nationally mortgage banks and lenders across the country are experiencing unprecedented amounts of volume, expect delays. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying a house, cash out refinance, FHA Loans, home loan refinance, how to buy sonoma county real estate, qualify for a mortgage, shopping mortgage rates, Sonoma County Mortgage Rates

The number one reason why you shouldn’t buy a home

November 19, 2020 by Scott Sheldon

The number one reason why you shouldn't buy a home

Buying a home is a balancing act between a mortgage payment in relation to present and future expenses. One of the biggest challenges people have when buying a house is being able … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, home loan refinance, preapproval to buy a home, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Risky income moves which may prevent you from getting a mortgage

November 6, 2020 by Scott Sheldon

Risky income moves prevent you from getting a mortgage

One of the challenges of getting mortgage loan financing these days is showing total and complete monthly income. Contrary to popular belief you must be able to support ability-to-repay (ATR) as a … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, home loan refinance, refinancing my mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Should you refinance with today’s historically low rates?

August 21, 2020 by Scott Sheldon

Should you refinance with today's historically low rates?

Many experts will tell you shouldn’t refinance unless you’re saving 1% lower in rate. With today’s interest rates being on average below 3%  here’s how you should determine whether refinancing for you … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, home loan refinance, mortgage payment, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, sonoma county refinancing

Why interest rates will probably not get any lower

June 11, 2020 by Scott Sheldon

Why interest rates probably will not go down any lower

Interest rates are a big driver of the mortgage market. People purchasing houses and refinancing houses are taking advantage of today’s historically low rates. Here are some fundamentals you should be aware … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, FHA home loans, home loan refinance, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How energy independence home improvement loans may affect your mortgage

May 28, 2020 by Scott Sheldon

How energy independence home improvement loans may affect your mortgage

If you’re going to be doing a refinance of your house and you have an energy Independence program that’s built into your real estate taxes- here is what you need to know. … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, conventional mortgages, home loan refinance, Santa Rosa mortgages, sonoma county refinancing

Is is a second mortgage making your refinance harder? This tip may help…

May 7, 2020 by Scott Sheldon

how to refinance 2nd mortgage

Mortgage lenders sometimes take an overly gun shy approach to how a mortgage loan is originated. One such example of this is if you have a first and a second mortgage on … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, First Time Home Buyers, Pre-Approval, Uncategorized Tagged With: cash out refinance, home loan refinance, mortgage rate quote, refinancing my mortgage, sonoma county refinancing

How to navigate mortgage appraisal situations during the Coronavirus pandemic

May 2, 2020 by Scott Sheldon

How to navigate mortgage appraisal situations during the Coronavirus pandemic

One of the things that have changed since the coronavirus has taken shape is how mortgage lenders are viewing appraisals. If you’re buying or refinancing a home here’s what you need to … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, FHA Loans, home loan refinance, refinancing my mortgage, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Should you Cash out refinance and remodel or buy another property?

November 10, 2019 by Scott Sheldon

6 common mortgage loan scenarios you cannot circumnavigate

Homeowners who have outgrown their houses may be considering the possibility of buying another property or just staying put and remodeling the one they already have. Here are some things to consider … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, home buying, home loan refinance, sonoma county home buying, Sonoma County Mortgage Rates

Could the 30 year fixed mortgage get to 3%?

August 25, 2019 by Scott Sheldon

why waiting for lower rates is a bad idea

Interest rates right now are very close to their all-time historical lows. We’ve seen this a few times before. Here’s what you need to consider when getting what you perceive as the … [Read More…]

Filed Under: Credit Score Info, Credit Score Questions and Answers, Economic News, First Time Home Buyers, Interest Rates Tagged With: BAD CREDIT MORTGAGE, buying a home, home loan refinance, how to buy sonoma county real estate, Low Rates, mortgage lender, mortgage rate quote, Santa Rosa mortgage, Sonoma County Mortgage Rates, sonoma county refinancing

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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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