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pmi

When are housing prices going to return to normal?

June 29, 2022 by Scott Sheldon

When are housing prices going to return to normal?

For those that have been sitting on the sidelines, watching what’s happening in the market. Are you thinking to yourself “gosh I should have bought a house last year or a few … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, cash out refi, first time home buyer, House prices rising, low income buying, pmi, refinancing, removing PMI, sonoma county, sonoma county home buyer

The new credit score you need to get a mortgage

November 28, 2021 by Scott Sheldon

The new credit score you need to get a mortgage

It was recently announced there’s a credit score change to conventional loans. This credit score change is now shaping the way families can procure a mortgage. If your credit score needs a … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a home, buying your first home, conventional mortgages, FHA Loans, get a low pmi factor when home buying, low pmi, pmi

Should you really worry about PMI when buying or refinancing a house?

October 3, 2021 by Scott Sheldon

Should you really worry about PMI when buying or refinancing a house?

One of the dreaded things of the housing and mortgage industry is an additional expense called private mortgage insurance that’s added to your monthly mortgage payment. PMI should be avoided by whatever … [Read More…]

Filed Under: Uncategorized Tagged With: 2021 refinancing my home, buying a home, CA home buying, get a low pmi factor when home buying, pmi, private mortgage insurance

How to remove private mortgage insurance

May 16, 2017 by Scott Sheldon

why waiting for lower rates is a bad idea

There is too much information circling around the internet, about how to remove mortgage insurance from your monthly mortgage payment. Unfortunately, it is not as simple as having 20% home equity either. … [Read More…]

Filed Under: Credit Score Info, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, conventional mortgages, FHA Loans, home loan refinance, mortgage comparison shopping, pmi, Remove Pmi, SONOMA COUNTY LOANS

How To Buy A Home Without 20% Down And No Mortgage Insurance

November 23, 2014 by Scott Sheldon

expecation every home buyer should have

The days of needing 20% down to buy a home are long gone. To compensate, lenders charge private mortgage insurance as means to offset risk, driving up would-be borrowers’ mortgage payments. Here’s … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Tips & Advice, Pre-Approval Tagged With: buy a house without 20% down, how mortgage insurance works, mortgage insurance, pmi

Why A Low Rate Loan Is Not Always The Most Affordable

May 10, 2014 by Scott Sheldon

2017 loan limits

Other factors beyond the rate can drive up a your projected new monthly mortgage payment. Such adjustments include private mortgage insurance (PMI for short) and the term of the loan sought. A … [Read More…]

Filed Under: Interest Rates, Loan Qualifying, Mortgage Tips & Advice Tagged With: buying a house, mortgage payment, pmi, refinancing

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

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
2455 Bennett Valley Road C107
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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