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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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Why you may need to pay the piper with your self-employed income for a loan

February 12, 2019 by Scott Sheldon

why you may need to pay the piper filing self employed for a loan

Applying to purchase or refinance a mortgage is going to require you providing an ample supply of credit, cash and documentable income to support the loan that you are seeking. Contrary to … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage comparison shopping, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, self-employed borrowers, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, sonoma county refinancing

The #1 mistake consumers make when getting a mortgage…

February 5, 2019 by Scott Sheldon

number 1 mistake when getting a mortgage

To apply for a mortgage, get approved and close escrow you must have some sense of urgency. Whether you are buying a home or refinancing a home, your mortgage application needs to … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgage rate quote, mortgages, preapproval to buy a home, qualify for a mortgage, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, SONOMA COUNTY LOANS

How mortgage lender credits work

December 26, 2018 by Scott Sheldon

how mortgage lender credit work

How mortgage lender credits work with rates If you’re getting a mortgage or plan to be you might be working with a situation where a lender credit is needed. Here is what … [Read More…]

Filed Under: First Time Home Buyers, Interest Rates, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgages, preapproval to buy a home, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County Mortgage Rates, sonoma county refinancing

Should you buy a house with monthly mortgage insurance?

November 20, 2018 by Scott Sheldon

should you buy a house with pmi?

Should you buy a house with monthly mortgage insurance? Buying a home can be an expensive ordeal. You don’t necessarily need 20% down or more to purchase a house. Whether or not … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Uncategorized Tagged With: buying a home, buying a house, Santa Rosa mortgage, SONOMA COUNTY LOANS

How to create wealth with your income and finances

November 6, 2018 by Scott Sheldon

how much are closing costs to buy a home

For anyone who is ever thought about getting a mortgage, saving money and getting ahead financially this is for you. Following is what you should have for the most optimal financial profile… … [Read More…]

Filed Under: Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, mortgages, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, 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

The number one factor that can drive your mortgage cost up (hint not credit)

September 24, 2018 by Scott Sheldon

number one factor make mortgage costs rise

Purchasing or refinancing a home requires a certain degree of time, commitment and paperwork. Here is one factor that can make your mortgage more expensive … The simple answer is time. Time … [Read More…]

Filed Under: First Time Home Buyers, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage payment, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County home loans

How to get a mortgage without providing tax returns

September 17, 2018 by Scott Sheldon

how to get a mortgage with tax returns

If you’re looking to purchase or refinance a house providing tax returns can sometimes just be inconvenient especially if your tax returns have various extending schedules. Here’s what you need to know … [Read More…]

Filed Under: Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping Tagged With: mortgage payment, mortgages, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates, Sonoma County home loans, Sonoma County Mortgage Rates, sonoma county refinancing

3 quirky issues that will hurt your mortgage

September 5, 2018 by Scott Sheldon

4 common home buyer mistakes to avoid

Getting a mortgage loan in 2018 is still a very bureaucratic and compliant process. People getting mortgages today are still paying for the sins of borrowers’ past. Here are some things to … [Read More…]

Filed Under: Interest Rates, Loan Programs, Mortgage Shopping, Mortgage Tips & Advice Tagged With: mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

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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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