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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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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

Why your side business makes getting a mortgage tougher

January 6, 2021 by Scott Sheldon

Why your side business makes getting a mortgage tougher

The reality of today’s mortgage market may come in the form of tough love. For many families purchasing or refinancing a home can make a huge financial impact on their life. Applying … [Read More…]

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

How you use your money make affect your mortgage options

December 30, 2020 by Scott Sheldon

How you use your money make affect your mortgage options

If you want a mortgage you need to be prepared financially and have all your ample documentation set up and ready to go. One such thing you need to be aware of … [Read More…]

Filed Under: Uncategorized Tagged With: refinance, refinancing, refinancing my mortgage, Santa Rosa mortgages, 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

Why your granny unit might ding your mortgage application

December 17, 2020 by Scott Sheldon

Why your granny unit might ding your mortgage application

People trying to refinance their mortgages to take advantage of favorable current market conditions might come to realize they have a problem with their house. A granny unit can be a wonderful … [Read More…]

Filed Under: Uncategorized Tagged With: buying a house, FHA Loans, Harp 2 Refinance Program, how to buy sonoma county real estate, Low Rates, mortgage rate quote, shopping mortgage rates, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

What to know about refinancing with a second mortgage

December 2, 2020 by Scott Sheldon

If you're refinancing here's what you need to know about a second mortgage

Many people desiring to refinance are taking advantage of historically low-interest rates. One of the challenges when refinancing your house is when you have a second mortgage. Here is what you need … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, cash out refinance, mortgage comparison shopping, mortgage rate quote, refinancing, refinancing my mortgage, sonoma county refinancing

The 3 most common mortgage loan types

November 25, 2020 by Scott Sheldon

The 3 most common mortgage loan types

Picking the right mortgage loan type for your family is a big financial decision. Here are some things to consider about the three most popular types of mortgages and what the pros … [Read More…]

Filed Under: Uncategorized Tagged With: cash out refinance, mortgage payment, mortgage rate quote, preapproval to buy a home, qualifying for a mortgage, refinancing my mortgage, Santa Rosa mortgages, shopping mortgage rates, sonoma county home buying, Sonoma County home loans, SONOMA COUNTY LOANS, Sonoma County Mortgage Rates, sonoma county refinancing

How out of pocket costs relate to mortgage refinancing

November 13, 2020 by Scott Sheldon

How out of pocket costs relate to mortgage refinancing

With interest rates at historical lows, many families across the country would stand to benefit from turning in their high-cost mortgage in exchange for getting something far more affordable with today’s rates. … [Read More…]

Filed Under: Uncategorized Tagged With: banks and credit unions, buying a home, buying your first home, Low Rates, qualifying for a mortgage, Sonoma County home 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 a homeowners association payment can change your borrowing power

October 30, 2020 by Scott Sheldon

how can HOA can change your mortgage borrowing power

A homeowners association payment can change your borrowing power. Here’s what you might want to think about when deciding to buy a home with a home owner’s association… A homeowners association payment … [Read More…]

Filed Under: Uncategorized Tagged With: buying your first home, qualifying for a mortgage, refinancing my 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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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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