The Mortgage Files

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

Couple viewing a home in Sonoma County, California surrounded by vineyards and hills

How much income you need to buy a house in Sonoma County, California

By Scott Sheldon / June 17, 2025

Buying a Home in Sonoma County: What Income Do You Need in 2025? Sonoma County, nestled in the heart of California’s wine country, offers a unique blend of natural beauty, cultural richness, and a robust housing market. As of mid-2025, the median home price in the county stands at approximately $829,000, reflecting a 1.5% increase…

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Family standing outside their new suburban home, smiling and celebrating homeownership made possible through a no down payment FHA program

How to Buy a House Without Income Limits or Government Red Tape

By Scott Sheldon / December 25, 2024

If you’re looking to buy a house but want to avoid the income limits and red tape often associated with traditional down payment assistance programs, Security National Mortgage Company (SNMC) offers a solution. Their unique FHA program allows you to buy a home without the usual restrictions, making it easier to achieve homeownership. This program…

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