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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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This change to FHA Loans might help you land a mortgage more easily

January 15, 2019 by Scott Sheldon

fha change to rental income to qualify

Fannie Mae and Freddie Mac have a very conservative calculation when it comes to using rental income to qualify. Here’s what you need to know if you’re getting an FHA mortgage and … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, cash out refinance, FHA Loans, how to buy sonoma county real estate, preapproval to buy a home, refinancing my mortgage, santa rosa fha loans, sonoma county home buying

Working two jobs is now easier to get a mortgage

January 2, 2019 by Scott Sheldon

working two job just got easier for a mortgage

Fannie Mae and Freddie Mac are starting to take a more balanced approach in the way they view mortgages. The change about self-employment income not hurting your W-2 income is one such … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgage rate quote, mortgages, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, sonoma county home buying, sonoma county refinancing

FHA Loan Limits for 2019 increase

December 17, 2018 by Scott Sheldon

fha loan limits increase for 2019

HUD recently announced the FHA Loan Limits for 2019 have been increased. This increase includes VA loan limits for both refinancing and home buying. These changes will represent more opportunity for families … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Purchase Mortgage Loans Questions and Answers Tagged With: mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

What to look for when getting a mortgage on a manufactured home

October 30, 2018 by Scott Sheldon

what to look for mortgage manufactured home

If you’re looking to borrow money to purchase or refinance a manufactured home property you’ll want to pay close attention to this information. A manufactured home is a property that was constructed … [Read More…]

Filed Under: Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

4 common home buying mistakes to avoid

October 22, 2018 by Scott Sheldon

4 common home buyer mistakes to avoid

When begin talking to lender about getting preapproved, you’re going to go through tons of emotions including the ultimate deciding factor whether you should buy a home or stay put. Here are … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping Tagged With: BAD CREDIT MORTGAGE, buying a home, preapproval to buy a home, qualifying for a mortgage, refinancing, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

The new way to get a mortgage with 1 year income tax returns

October 9, 2018 by Scott Sheldon

new way to get mortgage 1 year income tax

One of the challenges of getting a mortgage is providing tax returns. Tax returns may or may not help you land a loan. Here is what you need to know if you’re … [Read More…]

Filed Under: First Time Home Buyers, Loan Programs, Mortgage Shopping Tagged With: buying a home, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Why your mortgage payment keeps changing

August 2, 2018 by Scott Sheldon

why your mortgage payment keeps changing

Why your mortgage payment keeps changing. Consumers are often given little explanation by their bank on why their payments are due to a different company. When you take out a mortgage here’s … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Uncategorized Tagged With: qualifying for a mortgage, refinancing my mortgage, sonoma county home buying, Sonoma County Mortgage Rates, sonoma county refinancing

Mortgage inquiry make your credit score drop? Not so fast….

July 25, 2018 by Scott Sheldon

the credit score it takes to get a mortgage

Mortgage loan officers hear daily from consumers they don’t want their credit score pulled because they’re worried about their credit score dropping. Unfortunately, the internet is full of information providing an over abundance of … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice, Uncategorized Tagged With: 580 credit score mortgage to buy a home, credit score for mortgage, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages

These little lending nuances may help you land a mortgage

June 26, 2018 by Scott Sheldon

Little lending nuances to get a mortgage

Getting a mortgage in 2018 there is a bureaucratic and compliant process with a significant amount of paperwork involved. Following is some tips on various loan programs available in the marketplace you … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: conventional loans, FHA Loans, mortgage rate quote, mortgages, preapproval to buy a home, purchase real estate, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, Sonoma County Mortgage Rates, sonoma county refinancing, VA Loans

6 people whose mortgage and housing advice ought to be taken with a grain of salt

June 20, 2018 by Scott Sheldon

6 people bad mortgage advice

6 people whose mortgage and housing advice ought to be taken with a grain of salt Buying a home or refinancing a mortgage is incredibly important financial decision that requires careful planning … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: cash out refinance, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

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SonomaCountyMortgages.com

Location & Contact

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.

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