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Sonoma County Mortgages

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Why you might want to consider a DSCR loan to buy a rental property

January 22, 2023 by Scott Sheldon

how DSCR Loan work to buy rental homes

What is a DSCR loan and how can this type of financing help you purchase a rental property portfolio? In Q3 2022, the DSCR loan emerged as a viable option for investors … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA Loans, home loan refinance, how to buy sonoma county real estate, qualify for a mortgage, qualifying for a mortgage, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

What type of mortgage lender are you looking for?

February 13, 2022 by Scott Sheldon

What type of mortgage lender are you looking for?

Not all mortgage companies are the same. What type of lender or mortgage professional you work with can make the difference between you being successful in your home-buying endeavor or not. You … [Read More…]

Filed Under: Uncategorized Tagged With: get a low pmi factor when home buying, getting preapproved, How to get preapproved, loan programs, low pmi, Low Rates, purchase real estate, qualify for a mortgage, Remove Pmi, Santa Rosa mortgages, Sonoma County Mortgage Rates

Will co-signing on someone else’s mortgage hurt my mortgage chances?

January 23, 2022 by Scott Sheldon

Will co-signing on someone else's mortgage hurt my mortgage chances?

One of the most misunderstood things in the areas of mortgage finance is cosigning. What it means, what it does for the loan, and what it does to your financial future. It’s … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, cash out refinance, co signor, co-sign, home buying, home buying in Sonoma County, investment risk, loan programs, Low Rates, mortgage lender, qualify for a mortgage

How to get a mortgage if your 2020 tax return was low due to covid_19

September 19, 2021 by Scott Sheldon

mortgage self employed bad income tax year 2020 covid 19

As we are entering into pandemic manageability, one of the things lenders are still looking for as it pertains to self-employment borrowers is positive income from your tax return… Both Fannie Mae … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a home, buying a house, buying your first home, cash out refinance, covid mortgage, qualify for a mortgage, qualifying for a mortgage, Santa Rosa mortgages, self employed due to covid, sonoma county refinancing

Why your mortgage loan application might be delayed

December 7, 2020 by Scott Sheldon

Monopoly Piece-Like House

With interest rates being at historical lows more and more people are applying for mortgages and nationally mortgage banks and lenders across the country are experiencing unprecedented amounts of volume, expect delays. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying a house, cash out refinance, FHA Loans, home loan refinance, how to buy sonoma county real estate, qualify for a mortgage, shopping mortgage rates, Sonoma County Mortgage Rates

Should you buy & build or buy a single family home?

June 23, 2019 by Scott Sheldon

How to use seller carry financing to purchase a house with less cash down

  Purchasing a house is representative of so many different things in life depending on who you ask. Buying a lot and constructing is a monstrous project requiring long-term planning. Here’s some … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval Tagged With: BAD CREDIT MORTGAGE, buying a house, CA home buying, FHA Loans, preapproval to buy a home, qualify for a mortgage, Sonoma County Mortgage Rates

Should you refinance with today’s mortgage rates?

June 2, 2019 by Scott Sheldon

why your mortgage goals why not happen

The decision to refinance can be something that requires careful consideration time and energy. If you’re thinking about refinancing here’s some things to consider… What is the number one net tangible benefit … [Read More…]

Filed Under: Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage rate quote, qualify for a mortgage, refinancing, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

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

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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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