• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Sonoma County Mortgages

Contact Us About Mortgage Financing

All financing provided by New American Funding

(707) 217-4000 | Prequalify Now

Search Sonoma County Mortgages

  • Home
  • Purchase
    • How Much Down Payment To Buy A Home?
    • How Much Income You Need To Buy A Home
    • How Much Should I Save For Buying A Home?
      • How Rates Affect Payment
    • No PMI Mortgages
    • FHA Loans
    • Sonoma County Disaster Loans
    • Jumbo Loans
  • Refinance
    • Mortgage Rates
    • Does It Make Sense To Refinance?
      • Get Your Refi Paperwork In Order
    • How To Pay Off Your Loan Faster
    • How To Remove PMI
    • How Lenders Price & Quote Loans
  • Loan Programs
  • Payment Calculator
    • Mortgage Affordability Calculator
  • Blog
  • Videos
  • About SCM
  • About Scott Sheldon

Primary Sidebar

Sonoma County Mortgages is a part of New American Funding

New American Funding - NMLS #6606

Get Your Latest Rate Quote Now!

mortgage

How to navigate rising mortgage rates

February 26, 2021 by Scott Sheldon

why are mortgage rates getting worse?

We’ve been spoiled by ultra-low mortgage rates for the last several months. We saw 30-year mortgage rates go down into the mid two’s on conventional and government loans. These interest rates were … [Read More…]

Filed Under: Uncategorized Tagged With: 2021 refinancing my home, BAD CREDIT MORTGAGE, buying a home, buying your first home, cash out refinance, mortgage, rates, rising interest rates for loans, sonoma county

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

Self Employment and getting a mortgage just got easier

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

Next Page »

Get Sonoma County Mortgages News and Updates in Your Inbox

Footer

SCM on Facebook

SonomaCountyMortgages.com

Connect on Facebook

SCM On Instagram

Follow Sonoma County Mortgages on Instagram

Follow on Instagram

SCM on Zillow

Zillow Reviews for Scott Sheldon, New American Funding

See Reviews on Zillow

Location & Contact

Sonoma County Mortgages and New American Funding are an Equal Opportunity Housing Lender

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
1450 Neotomas Ave Suite 115
Santa Rosa, CA 95405
1-707-217-4000
View SCM Map | Email Us!

Map of Sonoma County Mortgages New American Financing Office

View Map on Google

Copyright 2010–2022 SonomaCountyMortgages.com · About Us · Sonoma County Loans · Privacy Policy · Terms Of Use · Legal · Site Map

NMLS Consumer Access © New American Funding. All rights Reserved. NMLS ID#6606.
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.

State Licensing (Opens in New Window) | Privacy (Opens in New Window)
Terms of Use (Opens in New Window) | Electronic Consent Agreement (Opens in New Window)
Opens in new window Opens an external site Opens an external site in a new window