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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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Should you buy a house or refinance the one you already own in 2021?

January 13, 2021 by Scott Sheldon

Should you buy a house or refinance the house that you already have in 2021?

With fixed-rate mortgages still at historical levels, many are considering re-evaluating their home and financial situation. One strategy might be to remodel the house you presently have another might be to acquire … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, qualifying for a mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

The 3 most common mortgage loan types

November 25, 2020 by Scott Sheldon

The 3 most common mortgage loan types

Picking the right mortgage loan type for your family is a big financial decision. Here are some things to consider about the three most popular types of mortgages and what the pros … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my 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

How out of pocket costs relate to mortgage refinancing

November 13, 2020 by Scott Sheldon

How out of pocket costs relate to mortgage refinancing

With interest rates at historical lows, many families across the country would stand to benefit from turning in their high-cost mortgage in exchange for getting something far more affordable with today’s rates. … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, buying a home, buying your first home, Low Rates, qualifying for a mortgage, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

How a homeowners association payment can change your borrowing power

October 30, 2020 by Scott Sheldon

how can HOA can change your mortgage borrowing power

A homeowners association payment can change your borrowing power. Here’s what you might want to think about when deciding to buy a home with a home owner’s association… A homeowners association payment … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

How to decide the right time to buy a home

October 22, 2020 by Scott Sheldon

How to decide the right time to buy a home

One of the challenges people have when deciding to purchase a house is trying to pinpoint the right time to make the move. Everyone is in a different stage of life and … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, cash you need to buy a home, how to buy sonoma county real estate, preapproval to buy a home, purchase real estate, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS

Can you get a mortgage if your loan is in forbearance?

September 23, 2020 by Scott Sheldon

Can you get a mortgage if your loan is in forbearance?

One of the challenges of securing mortgage financing during this COVID-19 environment is forbearance. The pandemic has created some rather unprecedented and unique situations for people desiring to borrow money. If your … [Read More…]

Filed Under: Uncategorized Tagged With: qualifying for a mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Types of mortgages that may cost more

September 9, 2020 by Scott Sheldon

common costly mortgages

It’s no surprise 30-year mortgage rates today are under 3% with good credit, good equity, and good income. What you might not know is that not all loan situations are considered equal. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA Loans, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Should you refinance with today’s historically low rates?

August 21, 2020 by Scott Sheldon

Should you refinance with today's historically low rates?

Many experts will tell you shouldn’t refinance unless you’re saving 1% lower in rate. With today’s interest rates being on average below 3%  here’s how you should determine whether refinancing for you … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, home loan refinance, mortgage payment, mortgage rate quote, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, sonoma county refinancing

How to reposition your debt to buy a home

August 6, 2020 by Scott Sheldon

how to reposition your debt to buy a home

Purchasing your first home or even a move-up home is no easy feat. You need to have a blend of credit, income, and manageable monthly expenses so you can support the desired … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, Low Rates, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS

Buying a house? Expect multiple offers

July 16, 2020 by Scott Sheldon

Buying a house? Expect multiple offers

Believe it or not, the pandemic has created a unique situation where many markets are experiencing multiple-offer situations on properties for sale. If you’re going to get pre-approved or begin looking for … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, buying your first home, home buying, how to buy sonoma county real estate, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Sonoma County Mortgage Rates

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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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