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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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Should you buy a condo or a single family home?

June 26, 2020 by Scott Sheldon

Should you buy a condominium or should you purchase a house

When it comes to purchasing a home especially a first home what you decide to purchase can affect your affordability. Here’s what you might want to think about when you’re deciding to … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying your first home, condo, FHA home loans, home buying, how to buy sonoma county real estate, Low Rates, mortgage, preapproval to buy a home, qualifying for a mortgage, sonoma county ca mortgages

How to get a mortgage when your self employed income is tricky

May 20, 2020 by Scott Sheldon

loan process

Not always, but traditionally, self-employed borrowers have a hard time securing mortgage loan financing. If you are filing self-employed and you are trying to get qualified for mortgage financing here are some … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, FHA, mortgage, qualifying for a mortgage, refinancing, refinancing my mortgage, Santa Rosa mortgages, self employed loans, shopping mortgage rates, sonoma county home buying, sonoma county refinancing

Why there are no “Maybe Loans” in today’s lending world

April 3, 2017 by Scott Sheldon

why there are no maybe loans in todays market

Are you trying to qualify for mortgage financing? Giving a “scenario” to a lender without actually providing thorough financials and pulling credit is a recipe for disappointment. Here is what you really … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval Tagged With: CA home buying, credit score, mortgage, mortgage lender, Petaluma mortgage broker, real estate financing

Self-Employed? It just got easier to get a mortgage

March 9, 2017 by Scott Sheldon

Are you looking to purchase a home? Are you self-employed? The rules to make this happen just got easier. Freddie Mac has recently announced upcoming changes on how vendors can use your … [Read More…]

Filed Under: Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: CA home buying, income to qualify for home loan, mortgage, mortgage loan, One year tax return, self employed, tax returns, Taxes

The equity percentage you need for a big mortgage is less than you think

February 16, 2017 by Scott Sheldon

Most people will tell you that you must have excellent credit and a big down payment to secure a larger mortgage. The reality is that while having a big chunk of cash … [Read More…]

Filed Under: Loan Qualifying, Mortgage Tips & Advice, Uncategorized Tagged With: Conventional, down payment, Downpayment, FHA, FHA 3.5%, FHA Loan Limits, Jumbo, loan limits, mortgage, VA, VA 5%, VA Loans

How much the debt in your life is costing you

February 10, 2017 by Scott Sheldon

be careful getting a mortgage with a bankruptcy

Your ability to save money can become compromised by the financial obligations you are paying in your life. If you have a mortgage and consumer debts, this article will help you determine: … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Loan Qualifying Tagged With: combining debt, debt consolidation, high interest rates, interest rates, mortgage, no cash, No Cash Out Refinance, refinance, saving money, too much debt

How to set the cost of your own mortgage

January 26, 2017 by Scott Sheldon

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 … [Read More…]

Filed Under: Uncategorized Tagged With: Loan Documentation, Lock Your Loan, Locking, mortgage, Rate Lock, Sonoma County Mortgage Rates

Are we in a housing bubble?

October 25, 2016 by Scott Sheldon

how to write killer offer letter

As prices continue to climb many are wondering if there’s going to be a pop similar to the financial crisis.  Here is the reality of mortgage and housing market… The financial crisis … [Read More…]

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs Tagged With: buying a home, home buying, mortgage, rates, scott sheldon loans

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Location & Contact

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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