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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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How to time the market to buy a home

January 20, 2021 by Scott Sheldon

How to time the market to buy a home

Purchasing a home is one of the biggest staples of wealth for most families in America. It’s the largest thing in their life that can create big wealth creation. Here are some … [Read More…]

Filed Under: Uncategorized Tagged With: mortgage rate quote, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Should you buy a house or refinance the one you already own in 2021?

January 13, 2021 by Scott Sheldon

Should you buy a house or refinance the house that you already have in 2021?

With fixed-rate mortgages still at historical levels, many are considering re-evaluating their home and financial situation. One strategy might be to remodel the house you presently have another might be to acquire … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, qualifying for a mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to make sure your mortgage application makes sense

December 23, 2020 by Scott Sheldon

How to make sure your mortgage application makes sense

Consumers securing mortgage loan financing today at times might be frustrated with the amount of paperwork needed to get their mortgage application signed off.  As a result, you must meet ATR which … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, home buying, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Risky income moves which may prevent you from getting a mortgage

November 6, 2020 by Scott Sheldon

Risky income moves prevent you from getting a mortgage

One of the challenges of getting mortgage loan financing these days is showing total and complete monthly income. Contrary to popular belief you must be able to support ability-to-repay (ATR) as a … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, home loan refinance, refinancing my mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to decide the right time to buy a home

October 22, 2020 by Scott Sheldon

How to decide the right time to buy a home

One of the challenges people have when deciding to purchase a house is trying to pinpoint the right time to make the move. Everyone is in a different stage of life and … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, cash you need to buy a home, how to buy sonoma county real estate, preapproval to buy a home, purchase real estate, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS

Can you get a mortgage if your loan is in forbearance?

September 23, 2020 by Scott Sheldon

Can you get a mortgage if your loan is in forbearance?

One of the challenges of securing mortgage financing during this COVID-19 environment is forbearance. The pandemic has created some rather unprecedented and unique situations for people desiring to borrow money. If your … [Read More…]

Filed Under: Uncategorized Tagged With: qualifying for a mortgage, Santa Rosa mortgage, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates

Types of mortgages that may cost more

September 9, 2020 by Scott Sheldon

common costly mortgages

It’s no surprise 30-year mortgage rates today are under 3% with good credit, good equity, and good income. What you might not know is that not all loan situations are considered equal. … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, cash out refinance, FHA Loans, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Which company you chose to handle your home refinance matters

August 25, 2020 by Scott Sheldon

Which company you chose to handle your home refinance matters

Should you refinance your house with the random mortgage company offering you what appears to be too good to be true? Maybe…read on. One of the things which play in the mortgage … [Read More…]

Filed Under: Uncategorized Tagged With: conventional mortgages, refinancing my mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How to reposition your debt to buy a home

August 6, 2020 by Scott Sheldon

how to reposition your debt to buy a home

Purchasing your first home or even a move-up home is no easy feat. You need to have a blend of credit, income, and manageable monthly expenses so you can support the desired … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, Low Rates, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS

How to button up your finances for getting a mortgage

July 30, 2020 by Scott Sheldon

how to button up mortgage finances to get a mortgage

If you are trying to get a mortgage, the number one thing you need is affordability. How much you earn in relation to how much you spend can make or break your … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, preapproval to buy a home, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

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Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

Popular Posts

Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

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2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

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Here are 2 mortgage process problems you will want to avoid

Filed Under: Credit Score Questions and Answers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to use seller carry financing to purchase a house with less cash down

Should you buy & build or buy a single family home?

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

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SonomaCountyMortgages.com

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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. 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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