The Mortgage Files

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

Could there be a real estate market crash?

Could there be a real estate market crash

By Scott Sheldon / October 27, 2021

Could there be a real estate market crash? The so-called financial experts have predicted this since 2008, since the last financial crisis. Are we in a housing bubble? And what should you do as it pertains to purchasing a home if you’ve been on the fence?   Here are some things to be aware of…

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Stop blaming the long program because you can't get into contract. This is a real estate agent problem not a mortgage problem.

Why its a real estate problem, not a mortgage problem

By Scott Sheldon / October 20, 2021

If you’re trying to buy a home, you’re preapproved, and you’ve been making offers, but you keep losing out because you have multiple offers, here are some things you need to consider. 1st things 1st, this is provided that your loan is fully intact, that you are well qualified, and that the loan essentially is…

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How to win in today's competitive real estate market

How to win in today’s competitive real estate market

By Scott Sheldon / September 29, 2021

It’s no surprise that there’s competition in the market right now. And it’s particularly challenging to get your offer accepted to purchase a home. If you’re preapproved, using financing to buy a house and you’re having a tough time getting your offer accepted, here are a few things you can do to spruce your offer…

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Scott Sheldon's The Mortgage FIles Blog

Home Equity Is Back In Sonoma County- Mortgage Options Follow

By Scott Sheldon / March 28, 2014

Unlike in years past, the Sonoma County Real Estate Market continues to show strong appreciation gains. Homeowners who were upside down in 2011-2012, now have home-equity as the demand for real estate continues, despite stale inventory. If you own a house, you now have choices to protect, preserve or leverage your newly acquired home-equity. 6 Mortgage Options…

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