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Sonoma County Mortgages

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The best way to cash out refinance your home

April 17, 2022 by Scott Sheldon

The best way to cash out refinance your home

Consumers are no stranger to the present economic times we are living in right now as everything is rising, and inflation is rampant virtually everywhere. Gas prices, stock prices, housing prices, mortgage … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, buying your first home, cash out refinance, Consumer debt, conventional loans, Home equity line, sonoma county refinancing

How to get a mortgage if your 2020 tax return was low due to covid_19

September 19, 2021 by Scott Sheldon

mortgage self employed bad income tax year 2020 covid 19

As we are entering into pandemic manageability, one of the things lenders are still looking for as it pertains to self-employment borrowers is positive income from your tax return… Both Fannie Mae … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a home, buying a house, buying your first home, cash out refinance, covid mortgage, qualify for a mortgage, qualifying for a mortgage, Santa Rosa mortgages, self employed due to covid, sonoma county refinancing

How your profit and loss statement may affect your mortgage application

August 22, 2021 by Scott Sheldon

profit and loss self employed mortgage

If you’re self-employed you need to know that lenders are going to ask for a profit and loss statement year to date. Here’s what it is and why it’s needed if you’re … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, buying your first home, cash out refinance, how to buy sonoma county real estate, profit and loss, self employed mortgage home loans, Sonoma County home loans, sonoma county refinancing

How Covid_19 completely changed mortgage rates

August 14, 2021 by Scott Sheldon

mortgages rates and covid 19

It is no surprise Covid has influenced mortgage interest rates in the last 12 months. The coronavirus and its effect on the economy in particular the financial markets have been unprecedented, to … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, credit score, home buying, how to buy sonoma county real estate, shopping mortgage rates, Sonoma County Mortgage Rates, sonoma county refinancing

Your choices if you’re self employed and you don’t show enough income for a mortgage

August 8, 2021 by Scott Sheldon

income to show you are self employed

Mortgage companies use your net income from your tax returns to qualify you. The excuse my accountant won’t let me do that, or I have to pay more taxes is incongruent with … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, FHA Loans, home loan refinance, preapproval to buy a home, qualifying for a mortgage, self employed mortgage home loans, sonoma county home buying, Sonoma County home loans, sonoma county refinancing

Why most financial experts get mortgages wrong

July 18, 2021 by Scott Sheldon

how to get make the right mortgage loan decision for you

There’s so much financial misinformation online it’s inundating. Here are some things the experts say as it relates to housing and mortgages for you to consider when trying to get financially ahead… … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying your first home, cash out refinance, conventional mortgages, home buying, refinancing my mortgage, sonoma county home buying, sonoma county refinancing

Borrowing a down payment to buy a home? Watch our for these two retirement accounts

July 12, 2021 by Scott Sheldon

borrwoing retirements

One of the best things you can do to proactively position you and your family to buy a home is to borrow money from your 401K after all, it’s your money. If … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, cash out refinance, home buying, mortgage comparison shopping, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

Why not paying your self employed tax debt may cost you a mortgage  

June 28, 2021 by Scott Sheldon

Tax Return Debt and Mortgages

When you’re self-employed and you’re looking to get a mortgage it’s super important that not only you file the right amount of income, but you also pay whatever debt is associated with … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, conventional mortgages, home loan refinance, preapproval to buy a home, self employed loans, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

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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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