The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

expecation every home buyer should have

Expectations home buyers should have in today’s mortgage environment

By Scott Sheldon / April 7, 2017

Getting a mortgage is every bit as arduous as you might think. The paperwork can be technical and complex. Here is what you should expect if you plan to buy a home in 2017 or beyond. The reality is that the mortgage industry screwed up America, and the better part of the world, and paved…

Read More

How to set the cost of your own mortgage

By Scott Sheldon / January 26, 2017

Mortgages are not cheap. Closing costs and interest paid over time to your lending bank will make the cost of having a mortgage very pricey over the 15-30 years that you have it. When it comes time to getting your mortgage you actually have more control over your loan costs than you think. Here is…

Read More