The Mortgage Files

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

When it comes to mortgage financing the harder way is usually the way that will make your loan work.

When it comes to mortgage financing the harder way is usually the way that will make your loan work

By Scott Sheldon / October 24, 2021

We are still in an environment that requires us to get support ability to repay. The harder approach, generally, is the approach that’s going to make the most sense between taking you from where you’re going and helping you accomplish your goal. If a new accomplisher goal of refinancing a house, or buying a new…

Read More
The new way to buy a house in Sonoma county

Can you really afford the home? Here is what banks will not share

By Scott Sheldon / June 21, 2016

Just because the bank will let you buy more does not mean you should. Be a well informed home buyer by taking the following tips into consideration when making the big ticket decision… Banks are for profit. They make money by making loans and it is up to you the consumer to decide when, how…

Read More