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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 Applying For A Mortgage Does Not Automatically Tank Your Credit Score

March 8, 2015 by Scott Sheldon

There is a fair amount of misconception that applying for a mortgage causes your credit score to drop each time. Not the case. The sole act of having your credit report in … [Read More…]

Filed Under: Credit Score Info, Loan Qualifying Tagged With: BAD CREDIT MORTGAGE, buying a house, credit for santa rosa mortgage, home loan refinance, investment risk, mortgage loan comparison shopping, mortgages, sonoma county refinancing

This Employee Tax Deduction Could Kill Your Mortgage Eligibility

February 9, 2015 by Scott Sheldon

You may want to rethink taking those extra deductions to minimize your tax liability this year if you plan to get a mortgage. Writing off expenses you incur as a W-2 employee … [Read More…]

Filed Under: Loan Qualifying, Underwriting Guideline Updates Tagged With: Credit Markets, how to buy sonoma county real estate, investment risk, mortgage rate quote, Santa Rosa mortgage, shopping mortgage rates

Should I Pay For An Appraisal To Refinance My Home?

April 2, 2014 by Scott Sheldon

Yes, an appraisal is the only way to determine what your home is worth if your loan is not owned by Fannie Mae or Freddie Mac eligible for Harp 2 Refinance. Rewind … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: home loan refinance, investment risk, mortgage comparison shopping, qualifying for a mortgage, sonoma county refinancing

It's Still Possible To Get A Mortgage Despite A Judgement

February 24, 2014 by Scott Sheldon

A judgement, a court ordered nightmare that if not handled correctly can make getting a mortgage loan much more stringent than it otherwise needs to be.  What you’re lender will want want… Quick … [Read More…]

Filed Under: Credit Score Info, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, compare mortgages, Harp 2 Refinance Program, investment risk, mortgages

Did Your Adjustable Rate Mortgage Reset? Directions to Mortgage Payment Clarity

December 10, 2012 by Scott Sheldon

In the last several years, many homeowners looking to take advantage of a lower monthly mortgage payments took out adjustable-rate mortgages to purchase or refinance their homes. As both mortgage rates and … [Read More…]

Filed Under: Loan Programs Tagged With: Credit Markets, investment risk, Low Rates, mortgage rate quote

Don't Get Burned By Mortgage Rate Locks!

November 11, 2012 by Scott Sheldon

Looking for a mortgage loan in Sonoma County, California? Whether buying a home or refinancing a mortgage, your lender will require you to lock your interest rate on the amount being borrowed. … [Read More…]

Filed Under: Interest Rates Tagged With: investment risk, Low Rates, mortgage rate quote, rate locks

6 Reasons To Buy Income Property Now!

November 1, 2012 by Scott Sheldon

This real estate market is continuing to produce many fantastic opportunities including a very make sense approach to purchasing income property. Decide where to invest your your cash… 6 Reasons Income Buying … [Read More…]

Filed Under: Economic News, Loan Programs, Pre-Approval Tagged With: buying a house, income property, investment risk, loan preapproval

What The Election Means For Mortgage Rates

October 21, 2012 by Scott Sheldon

Two questions on every mortgage applicants’ mind  “where are mortgage rates? Does it make sense to wait till after the presidential election to complete my purchase or refinance? Let’s be clear about … [Read More…]

Filed Under: Economic News, Interest Rates, Mortgage Tips & Advice Tagged With: investment risk, mortgage backed securities, mortgage bonds

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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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