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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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New fee for residential conventional mortgages

August 13, 2020 by Scott Sheldon

new 2020 market adverse fee conventional mortgages

The Federal Housing Finance Agency just rolled out August 12th, 2020 new change to conventional mortgage refinances. Here’s what you need to know going forward… Fannie Mae and Freddie Mac are now … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, how to buy sonoma county real estate, loan programs, Santa Rosa mortgages, Sonoma County home loans, sonoma county refinancing

Here is an easy way to save thousands in mortgage interest expense without refinancing

January 21, 2018 by Scott Sheldon

how save money without refinancing

If you hate your mortgage as much as everyone else does, this article is for you. One of the things people hate about home mortgages is the amount of interest they pay … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, bi weekly payment, buying a house, interest mortgage, loan programs, mortgage rate quote, refinancing into a 15 year loan, Santa Rosa mortgages, sonoma county refinancing

How to pick the right mortgage loan program for your situation

August 17, 2017 by Scott Sheldon

which loan program for you

With the proliferation of new home buying programs being introduced into the market consumers today have more choices for securing financing than ever before. Here is how to pick what mortgage loan … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Uncategorized Tagged With: loan programs, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

When is the right time to buy a home?

July 8, 2017 by Scott Sheldon

when is the right time to buy a home

The right time to purchase a home is different for every consumer. Following are some reason why you may want to pull the trigger sooner rather than later. In most areas throughout the … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, loan programs, mortgage comparison shopping, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying

How to evaluate buying a rental property

September 6, 2016 by Scott Sheldon

what to know about a mortgage 4506t

Buying a rental property can be very lucrative and sound financial vestment. Here’s how to determine whether not buying a rental property with financing makes sense. Location, location, location Location for the … [Read More…]

Filed Under: Interest Rates, Invesment Properties/Second Homes, Loan Programs, Loan Qualifying, Mortgage Shopping, Pre-Approval Tagged With: cap rate, home buying, how to buy a rental, loan programs, preapproval to buy a home, qualifying for a mortgage, rental property, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

Why harp refinances are dwindling

August 18, 2016 by Scott Sheldon

fannie made change to home appraisal covid_19

One of the financial programs aimed at homeowners wishing to refinance in the economic downturn was Making Homes Affordable Harp 2. The program to this day allows people to refinance even if … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular Tagged With: loan programs, mortgage payment, mortgage rate quote, qualifying for a mortgage, refinancing, shopping mortgage rates, Sonoma County Mortgage Rates, sonoma county refinancing

3 things you will not like about today’s mortgage process

July 19, 2016 by Scott Sheldon

today's mortgage loan process

These things about today’s mortgage loan process will drive you crazy. Know what lenders will want…. Patriot Act This says lenders do not make loans to drug dealers, money launderers or terrorists. … [Read More…]

Filed Under: Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: banks and credit unions, buying a house, cash out refinance, home loan process, home loan refinance, how to buy sonoma county real estate, loan programs, mortgages

Is down payment assistance worth it to a buy a home?

June 6, 2016 by Scott Sheldon

THE REALITY OF DOWN PAYMENT ASSISTANCE

If you’re looking to buy a house with little or no cash your options may be limited. Here is what you need to know to get your foot in the door, successfully… … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Loan Qualifying, Mortgage Shopping, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers Tagged With: buying a house, buying your first home, down payment, down payment assistance, firs time home buyers, how to buy sonoma county real estate, loan programs

Buy a condo or a single family home?

April 8, 2016 by Scott Sheldon

buy a home or a condo

When the time homes to buy your first home, you will have options galore. Here’s how to decide if you should purchase a single-family home or a more affordable condominium unit. Undoubtedly, … [Read More…]

Filed Under: First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: buying a home, buying a single fmaily house, condo vs house, first time home buyers, home buying, loan programs, sonoma county home buying

2 simple reasons why your mortgage might not show up on your credit report

February 26, 2016 by Scott Sheldon

2019 conforming loan limits increase

Your home mortgage is reported to the credit bureaus each month just like any other credit obligation. These reporting practices aides’ banks in granting credit requests. Here are two reasons why your … [Read More…]

Filed Under: Mortgage Tips & Advice Tagged With: credit score for mortgage, loan programs, loan servicing, mortgage and credit, mortgage lender, qualifying for a mortgage, Santa Rosa mortgages, 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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