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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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The #1 mistake consumers make when getting a mortgage…

February 5, 2019 by Scott Sheldon

number 1 mistake when getting a mortgage

To apply for a mortgage, get approved and close escrow you must have some sense of urgency. Whether you are buying a home or refinancing a home, your mortgage application needs to … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgage rate quote, mortgages, preapproval to buy a home, qualify for a mortgage, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS

Working two jobs is now easier to get a mortgage

January 2, 2019 by Scott Sheldon

working two job just got easier for a mortgage

Fannie Mae and Freddie Mac are starting to take a more balanced approach in the way they view mortgages. The change about self-employment income not hurting your W-2 income is one such … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgage rate quote, mortgages, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

How mortgage lender credits work

December 26, 2018 by Scott Sheldon

how mortgage lender credit work

How mortgage lender credits work with rates If you’re getting a mortgage or plan to be you might be working with a situation where a lender credit is needed. Here is what … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgages, preapproval to buy a home, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County Mortgage Rates, sonoma county refinancing

How to create wealth with your income and finances

November 6, 2018 by Scott Sheldon

This FHA requirement might hurt your multi unit home buying chances

For anyone who is ever thought about getting a mortgage, saving money and getting ahead financially this is for you. Following is what you should have for the most optimal financial profile… … [Read More…]

Filed Under: Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgages, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county refinancing

How to get a mortgage without providing tax returns

September 17, 2018 by Scott Sheldon

how to get a mortgage with tax returns

If you’re looking to purchase or refinance a house providing tax returns can sometimes just be inconvenient especially if your tax returns have various extending schedules. Here’s what you need to know … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: mortgage payment, mortgages, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

How 1031 tax-deferred exchanges work

August 14, 2018 by Scott Sheldon

how the ppp loan may hurt your mortgage

A 1031 tax-deferred exchange is a deferred exchange in the gain of an investment property used to acquire another investment property. Make no mistake this is a deferment where you’re kicking the … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: 1031 exchange, mortgage rate quote, mortgages, preapproval to buy a home, qualifying for a mortgage, rental property, sonoma county home buying

How to transfer property to family and still be protected under Prop 13

August 7, 2018 by Scott Sheldon

how to transfer property under prop 13

Proposition 13 was enacted in 1978 by voters to limit the amount of property-taxes the homeowner pays. Prop 13 protect your property taxes from increasing by more than 2% per year. It … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgages, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, Sonoma County Mortgage Rates, sonoma county refinancing

5 credit mistakes to avoid when getting a mortgage

July 10, 2018 by Scott Sheldon

Why you shouldn't be solely focused on credit when it comes to getting a mortgage

You need to be on top of your game when getting a home loan. Your credit score is an integral part of being able to purchase a house or refinance a house. … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Uncategorized Tagged With: mortgage rate quote, mortgages, preapproval to buy a home, sonoma county home buying, SONOMA COUNTY LOANS

These little lending nuances may help you land a mortgage

June 26, 2018 by Scott Sheldon

Little lending nuances to get a mortgage

Getting a mortgage in 2018 there is a bureaucratic and compliant process with a significant amount of paperwork involved. Following is some tips on various loan programs available in the marketplace you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: conventional loans, FHA Loans, mortgage rate quote, mortgages, preapproval to buy a home, purchase real estate, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, Sonoma County Mortgage Rates, sonoma county refinancing, VA Loans

The new Sonoma County housing and mortgage rate market

February 22, 2018 by Scott Sheldon

sonoma county housing and rates

The Sonoma County real estate market has changed considerably in the last few years. If you’re going to be purchasing or refinancing a house here is what you need to know… The … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: high interest rates, housing, mortgage and homes, mortgage lender, mortgage rate quote, mortgages, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

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Why your income is your lifeline to finance a home

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Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

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SonomaCountyMortgages.com

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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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