The Mortgage Files

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

When it comes to mortgage financing the harder way is usually the way that will make your loan work.

When it comes to mortgage financing the harder way is usually the way that will make your loan work

By Scott Sheldon / October 24, 2021

We are still in an environment that requires us to get support ability to repay. The harder approach, generally, is the approach that’s going to make the most sense between taking you from where you’re going and helping you accomplish your goal. If a new accomplisher goal of refinancing a house, or buying a new…

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Conventional mortgages with less than a 620 credit score? Yep it's real

Conventional mortgages with less than a 620 credit score? Yep it’s real

By Scott Sheldon / October 13, 2021

The government just made a small change to residential mortgage loans opening the door for more families to secure conventional financing. Here is what you need to know if you’re purchasing or refinancing a house and your credit score needs some love. I’ve been told recently the only residential mortgage loan that was available to…

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Scott Sheldon's The Mortgage FIles Blog

"Bank Mortgage Rates" Petaluma

By Scott Sheldon / December 12, 2010

Bank mortgage rates in Petaluma are available directly from local Petaluma lenders. In the last couple of weeks 30 years mortgage rates have risen due to the Federal Reserve’s activity in buying bonds. Most borrowers today searching for bank loans are still focused on attaining the best 30 year fixed mortgage rate. While the market…

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