The Mortgage Files

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

Cash-Out Refinance vs. Borrowing from Family: Which Is the Smarter Move?

By Scott Sheldon / April 2, 2026

You’ve built equity in your home. Maybe a lot of it. At the same time, you need access to cash—whether that’s to consolidate debt, invest in real estate, fund a business, or handle a life event. Now you’re standing at a fork in the road: Do you tap into your home equity with a cash-out…

Should You Renovate Before Selling Your Home or Sell As-Is?

By Scott Sheldon / July 10, 2025

Should You Sell Your Home As-Is or Fix It Up First? Let’s Break It Down So you’re thinking about selling your house, but you’re torn: Should you sell it as-is, or spend money fixing it up in hopes of getting a higher price? It’s a fair question—and one that a lot of homeowners wrestle with,…

Can’t Afford Sonoma? Why Lake County Might Be the Smartest First-Time Buyer Move in 2025

By Scott Sheldon / June 19, 2025

Can’t Afford Sonoma? Why Lake County Might Be the Smartest First-Time Buyer Move in 2025 If you’ve been eyeing a home in Sonoma County but feel like the numbers just aren’t penciling out, you’re not alone. The truth is, while Sonoma County remains highly desirable, nearby Lake County might just be the hidden gem that…