The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
Rate Buydowns in Sonoma County: What Buyers Need to Know in 2026
By sonomacountym
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September 17, 2026
Rate buydowns can lower a Sonoma County home payment, but temporary and permanent options work very differently. Learn what to compare before you commit.
Read More about Rate Buydowns in Sonoma County: What Buyers Need to Know in 2026How seller credit maximize your purchasing power on a conventional or FHA home loan
By Scott Sheldon
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May 16, 2025
Maximizing Your Home Buying Power with Seller Credits When purchasing a home, every dollar counts. Whether you’re putting down 3.5% with an FHA loan or opting for a conventional route with 10% or 20% down, understanding how seller credits work can be a game-changer. These credits can significantly reduce your out-of-pocket expenses, lower your monthly…
Read More about How seller credit maximize your purchasing power on a conventional or FHA home loan