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Sonoma County Mortgages

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qualifying for a mortgage

Two ways to get your purchase offer accepted

June 5, 2022 by Scott Sheldon

Two ways to get your purchase offer accepted

Everyone knows buying a house right now is challenging. Across the nation is a competitive real estate market brought on by an exceptionally low supply on a national level. As a result, … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, buying a house, buying your first home, conventional mortgages, how to buy sonoma county real estate, qualifying for a mortgage, shopping mortgage rates

why your mortgage application could be denied

May 29, 2022 by Scott Sheldon

why your mortgage application could be denied

Getting a mortgage is not as simple as showing your ability to pay, having good credit, and good down payment. It also must pass a test period of Fannie Mae and Fannie … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refinance, conventional mortgages, getting preapproved, mortgage comparison shopping, mortgage rate quote, qualifying for a mortgage

Why not all first time homebuyer programs are created equal

April 10, 2022 by Scott Sheldon

Why not all first time homebuyer programs are created equal

If you are just starting in life and trying to get your footprint in the real estate climate; the information in this post is for you. Everyone must start somewhere and buy … [Read More…]

Filed Under: Uncategorized Tagged With: 401k to buy home, BAD CREDIT MORTGAGE, best mortgage, buying a home, can I buy a house with bad credit, credit for sonoma county mortgage, FHA, fha first time buyer with 3.5% down, fha home loan, first time buyer, mortgage comparison shopping, qualifying for a mortgage, sonoma county home buying, sonoma county mortgage

Should you refinance during rising rates?

March 14, 2022 by Scott Sheldon

Should you refinance during rising rates?

If you’re thinking about refinancing your house and you’ve been on the fence; now would be a good time to start that application. Interest rates are all relative so it’s important to … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, Consumer debt mortgage, Credit Markets, Federal reserves, FHA Loans, home buying, mortgage lender, qualifying for a mortgage, refinancing

Are you Self employed having a tough time getting a mortgage?

January 1, 2022 by Scott Sheldon

self employed mortgage challenges

Are you self-employed in having a tough time getting a mortgage? Here’s what you need to know… When it comes to being self-employed one of the biggest challenges that you’re going to … [Read More…]

Filed Under: Uncategorized Tagged With: CA home buying, home buying, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Sonoma County Mortgage Rates, sonoma county refinancing

How changing your preapproved amount may affect your home buying chances

December 26, 2021 by Scott Sheldon

How changing your preapproved amount may affect your home buying chances

So, you’re looking to purchase a house, you’re preapproved, and you’re on the home search. You and your realtor are going out on nights and weekends looking at homes and deciding if … [Read More…]

Filed Under: Uncategorized Tagged With: 401k to buy home, best mortgage, CA home buying, FHA Loans, FHA mortgage, home buying, mortgage comparison shopping, mortgage lender, mortgage rate quote, qualifying for a mortgage, Santa Rosa mortgage, Sonoma County Mortgage Rates

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

Your choices if you’re self employed and you don’t show enough income for a mortgage

August 8, 2021 by Scott Sheldon

income to show you are self employed

Mortgage companies use your net income from your tax returns to qualify you. The excuse my accountant won’t let me do that, or I have to pay more taxes is incongruent with … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, FHA Loans, home loan refinance, preapproval to buy a home, qualifying for a mortgage, self employed mortgage home loans, sonoma county home buying, Sonoma County home loans, sonoma county refinancing

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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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