Sonoma County Mortgages

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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.

Get Your Latest Rate Quote Now!

Video Tips

I love sharing my mortgage expertise and insights with New American Funding clients and my readers here on Sonoma County Mortgages. Video is another great way for me to offer mortgage information and tips, and to really show my passion for helping families finance their future homes! I hope these video tips can help you - and if you need more help, call my office at (707) 217-4000 anytime!

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
...

sonomacountymortgage

A few motivators in my life and and support system...

Jan 8

Open
A few motivators in my life and and support system to stay focused 👍

@newamericanfunding @nafmidpacificregion @tinalsheldon @nafsantarosa 
#goals #numbers #family #success #loans #homes #books #figures #growth #market #neverquit #mortgages #happen #naf360 #teamwork #people

A few motivators in my life and and support system to stay focused 👍

@newamericanfunding @nafmidpacificregion @tinalsheldon @nafsantarosa
#goals #numbers #family #success #loans #homes #books #figures #growth #market #neverquit #mortgages #happen #naf360 #teamwork #people
...

sonomacountymortgage

We had great time hosting our Grab & Go ...

Nov 22

Open
We had great time hosting our Grab & Go Thanksgiving Pie event tonight for our everyone we're thankful for. Took a few pies to the face too. HAPPY THANKSGIVING 🦃

@nikki___perfectly_imperfect83_ @_gorjessxo @stylemyheart @patty.arvielo.naf @nafmidpacificregion @mortgage #thanksgiving #gratitude #team #partners #clients #friends #families #fun #pie #silly #why #goodsport

We had great time hosting our Grab & Go Thanksgiving Pie event tonight for our everyone we're thankful for. Took a few pies to the face too. HAPPY THANKSGIVING 🦃

@nikki___perfectly_imperfect83_ @_gorjessxo @stylemyheart @patty.arvielo.naf @nafmidpacificregion @mortgage #thanksgiving #gratitude #team #partners #clients #friends #families #fun #pie #silly #why #goodsport
...

sonomacountymortgage

Mortgage rates are sizzling right now. Here is how...

Aug 8

Open
Mortgage rates are sizzling right now. Here is how the opportunities in the market my affect your bottom line.

@mortgage @nafmidpacificregion @nafsantarosa #mortgage #family #realestate #homebuying

Mortgage rates are sizzling right now. Here is how the opportunities in the market my affect your bottom line.

@mortgage @nafmidpacificregion @nafsantarosa #mortgage #family #realestate #homebuying
...

sonomacountymortgage

The FHA just came out with information pertaining ...

Aug 1

Open
The FHA just came out with information pertaining to cash out refinances. For all FHA case numbers issued September 1st or after the FHA will be limiting all cash out refinances to 80% loan to value. This is a 5% reduction in LTV from current FHA Loans which allow for 85% ltv for owner occupied cash out refinances. If you're thinking about getting an FHA Cash out refinance loan for your home now is the time to apply.

@mortgage @nafmidpacificregion @nafsantarosa 
#refinance #cashout #loans #fha #debt #hurryup #families #guidelines #government

The FHA just came out with information pertaining to cash out refinances. For all FHA case numbers issued September 1st or after the FHA will be limiting all cash out refinances to 80% loan to value. This is a 5% reduction in LTV from current FHA Loans which allow for 85% ltv for owner occupied cash out refinances. If you're thinking about getting an FHA Cash out refinance loan for your home now is the time to apply.

@mortgage @nafmidpacificregion @nafsantarosa
#refinance #cashout #loans #fha #debt #hurryup #families #guidelines #government
...

sonomacountymortgage

Did you know that if you are a W-2 employee trying...

Jul 13

Open
Did you know that if you are a W-2 employee trying to qualify to get a mortgage, you need not provide tax returns or tax validations? Its true. To be eligible you can't be using any other income source to qualify only your straightforward W-2 wages from a company that you do not own. Who you use for a loan matters🤔

@mortgage @newamericanfunding #loans #mortgages #rates #family #technical #4506 #guidelines #taxes

Did you know that if you are a W-2 employee trying to qualify to get a mortgage, you need not provide tax returns or tax validations? Its true. To be eligible you can't be using any other income source to qualify only your straightforward W-2 wages from a company that you do not own. Who you use for a loan matters🤔

@mortgage @newamericanfunding #loans #mortgages #rates #family #technical #4506 #guidelines #taxes
...

sonomacountymortgage

How do you know the mortgage professional you ...

Jun 28

Open
How do you know the mortgage professional you select to handle your home financing needs is going to be accountable to doing what they say they're going to do when they say they're going to do it? You might want to put a prerequisite for selecting a lender to have at least 10 or more recent reviews ready to go upon request. Some food for thought when looking a buying or refinancing a home🤔. @mortgage @nafmidpacificregion @pattyarvielo @nikki___perfectly_imperfect83_ 
#family #mortgage #feedback #accountable results #trust #integrity

How do you know the mortgage professional you select to handle your home financing needs is going to be accountable to doing what they say they're going to do when they say they're going to do it? You might want to put a prerequisite for selecting a lender to have at least 10 or more recent reviews ready to go upon request. Some food for thought when looking a buying or refinancing a home🤔. @mortgage @nafmidpacificregion @pattyarvielo @nikki___perfectly_imperfect83_
#family #mortgage #feedback #accountable results #trust #integrity
...

sonomacountymortgage

Pop quiz- how much money do you have to work with ...

Jun 14

Open
Pop quiz- how much money do you have to work with for a down payment? "15% down ." BUZZ Wrong Answer

15% down or any percent down for that matter is directly in proportion to purchase price. The right answer should be a $$ amount. 15% down on a $400,000 house ain't the same as 15% down on a $500,000 house. Give the lender a dollar amount you have to work with. Doing so will make make it more transparent for everyone. 👍

@mortgage @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo 
#family #loans #purchasingpower #borrow #money #realestate #mortgage #debt #cash #homes

Pop quiz- how much money do you have to work with for a down payment? "15% down ." BUZZ Wrong Answer

15% down or any percent down for that matter is directly in proportion to purchase price. The right answer should be a $$ amount. 15% down on a $400,000 house ain't the same as 15% down on a $500,000 house. Give the lender a dollar amount you have to work with. Doing so will make make it more transparent for everyone. 👍

@mortgage @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo
#family #loans #purchasingpower #borrow #money #realestate #mortgage #debt #cash #homes
...

sonomacountymortgage

Been watching mortgage rates lately? Rates are ...

Jun 7

Open
Been watching mortgage rates lately? Rates are creating tons of opportunity for folks where  the net tangible just was not there a month ago. Lower mortgages result more borrowing power and lower payments easing the strain on the pocket book.What's your mortgage rate?

@newamericanfunding @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo 
#mortgage #team #debt #payments #loans #families #info #homes #realestate #refinance #purchase #win

Been watching mortgage rates lately? Rates are creating tons of opportunity for folks where the net tangible just was not there a month ago. Lower mortgages result more borrowing power and lower payments easing the strain on the pocket book.What's your mortgage rate?

@newamericanfunding @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo
#mortgage #team #debt #payments #loans #families #info #homes #realestate #refinance #purchase #win
...

sonomacountymortgage

Did you know that you can purchase a house with ...

May 10

Open
Did you know that you can purchase a house with less than 20% equity and not have monthly PMI? You can elect to have the PMI paid for one time in the form of cash or financed in the loan and avoid the monthly PMI entirely. This can benefit you tremendously when buying a home as it increases your borrowing power while giving you the lowest possible monthly payment. In many cases it's almost equivalent to having a 20% down payment without actually having 20% down. Your lender doesn't know about it? Get a second opinion.👍👨‍💼 Note: conventional loans only 
_________________________________
@mortgage @newamericanfunding @nafmidpacificregion 
#families #realestate #agent #rates #homebuying #purchasingpower #payment

Did you know that you can purchase a house with less than 20% equity and not have monthly PMI? You can elect to have the PMI paid for one time in the form of cash or financed in the loan and avoid the monthly PMI entirely. This can benefit you tremendously when buying a home as it increases your borrowing power while giving you the lowest possible monthly payment. In many cases it's almost equivalent to having a 20% down payment without actually having 20% down. Your lender doesn't know about it? Get a second opinion.👍👨‍💼 Note: conventional loans only
_________________________________
@mortgage @newamericanfunding @nafmidpacificregion
#families #realestate #agent #rates #homebuying #purchasingpower #payment
...

sonomacountymortgage

Here are some things to consider when picking a ...

May 3

Open
Here are some things to consider when picking a mortgage professional. Just because you read it on the internet does not necessarily mean it automatically pertains to you. Moral of the story? Work with an experienced professional👨‍💼 Repost from @prospermoves 👍@mortgage

Here are some things to consider when picking a mortgage professional. Just because you read it on the internet does not necessarily mean it automatically pertains to you. Moral of the story? Work with an experienced professional👨‍💼 Repost from @prospermoves 👍@mortgage ...

sonomacountymortgage

How to pick a lender can vary on multiple ...

Apr 19

Open
How to pick a lender can vary on multiple different things. One thing that stands the test of time is you have to be willing to let that lender go through their process so they can determine how they can help you. Asking how much you qualify for without going through the process is like learning how to drive without steering the car. 
__________________________
@mortgage @newamericanfunding @nafmidpacificregion #mortgage #numbers #pencil #cash #credit #budget #piti #payment #down #crunching #homes #family #realestate #ca #sonomacounty #santarosa

How to pick a lender can vary on multiple different things. One thing that stands the test of time is you have to be willing to let that lender go through their process so they can determine how they can help you. Asking how much you qualify for without going through the process is like learning how to drive without steering the car.
__________________________
@mortgage @newamericanfunding @nafmidpacificregion #mortgage #numbers #pencil #cash #credit #budget #piti #payment #down #crunching #homes #family #realestate #ca #sonomacounty #santarosa
...

sonomacountymortgage

Gang we have a really flexible bank statement ...

Apr 12

Open
Gang we have a really flexible bank statement program that does not need tax returns for income to qualify. Rates are quite low for the program as well. Just as little as 1year or 6months bank statements ...this program by and large is incredibly flexible and  makes sense. Who is gonna buy a home? 
@newamericanfunding @nafmidpacificregion @pomponioexpress @nikki___perfectly_imperfect83_

Gang we have a really flexible bank statement program that does not need tax returns for income to qualify. Rates are quite low for the program as well. Just as little as 1year or 6months bank statements ...this program by and large is incredibly flexible and makes sense. Who is gonna buy a home?
@newamericanfunding @nafmidpacificregion @pomponioexpress @nikki___perfectly_imperfect83_
...

sonomacountymortgage

It makes a big difference on where you go for a ...

Apr 5

Open
It makes a big difference on where you go for a home loan. Not all lenders are created equal. Don't fall prey to the online space.  Work with a seasoned pro who help align your goals with the right programs. #lending 
@mortgage @nafmidpacificregion @newamericanfunding 
#homes #online #rates #home #realestate #agent #loans #programs #firsttimebuyer #broker #plan #finance #budget #credit #banks

It makes a big difference on where you go for a home loan. Not all lenders are created equal. Don't fall prey to the online space. Work with a seasoned pro who help align your goals with the right programs. #lending
@mortgage @nafmidpacificregion @newamericanfunding
#homes #online #rates #home #realestate #agent #loans #programs #firsttimebuyer #broker #plan #finance #budget #credit #banks
...

sonomacountymortgage

This one is big. When you apply to borrow mortgage...

Mar 28

Open
This one is big. When you apply to borrow mortgage pay close attention to your payment to income ratio. Car leases are not a simple as paying off the reported balance. It's the total balance of the car you need to pay off to omit the debt. Unlike a traditional car loan with a set balance a lease involves the residual and the total balance. Paying off debt to qualify when you have a car lease can be super tricky. Word to the wise? Avoid car leases. Stick to a car loan or better yet buy the car with cash. 
____________________________________________________#loans #mortgage #unique #homes #borrowing #finance #tip #debt #income #house #realestate #families #tough #credit #cash #homebuyer 
@newamericanfunding @nafmidpacificregion @nikki___perfectly_imperfect83_ @mortgage

This one is big. When you apply to borrow mortgage pay close attention to your payment to income ratio. Car leases are not a simple as paying off the reported balance. It's the total balance of the car you need to pay off to omit the debt. Unlike a traditional car loan with a set balance a lease involves the residual and the total balance. Paying off debt to qualify when you have a car lease can be super tricky. Word to the wise? Avoid car leases. Stick to a car loan or better yet buy the car with cash.
____________________________________________________#loans #mortgage #unique #homes #borrowing #finance #tip #debt #income #house #realestate #families #tough #credit #cash #homebuyer
@newamericanfunding @nafmidpacificregion @nikki___perfectly_imperfect83_ @mortgage
...

sonomacountymortgage

We receive this question on a weekly basis. What ...

Mar 20

Open
We receive this question on a weekly basis. What is the best credit score I need to get for a conventional mortgage in terms of cost? Here's the magic answer that question it's 680 or higher. Be smart when you're looking for financing. Don't be fooled by someone giving you bs.

__________________________________________________________________
#mortgage #loans #family #realestate #credit #debt #income #finance #progress #consult #care #borrow #money #👫 #👍 @nafmidpacificregion @newamericanfunding @nikki___perfectly_imperfect83_ @stylemyheart @mortgage

We receive this question on a weekly basis. What is the best credit score I need to get for a conventional mortgage in terms of cost? Here's the magic answer that question it's 680 or higher. Be smart when you're looking for financing. Don't be fooled by someone giving you bs.

__________________________________________________________________
#mortgage #loans #family #realestate #credit #debt #income #finance #progress #consult #care #borrow #money #👫 #👍 @nafmidpacificregion @newamericanfunding @nikki___perfectly_imperfect83_ @stylemyheart @mortgage
...

sonomacountymortgage

Are you a submarine home buyer? Do you know ...

Mar 14

Open
Are you a submarine home buyer? Do you know someone who is? Keep the communication open while working with your agent and lender. The key to any successful home purchase is directly correlated to clear communication.
__________________________________________________________________
#mortgages #rates #homebuying #home #realestate #loans #programs #sonomacounty #firsttimebuyer #submarine #teamwork #search @newamericanfunding  @nafmidpacificregion @mortgage

Are you a submarine home buyer? Do you know someone who is? Keep the communication open while working with your agent and lender. The key to any successful home purchase is directly correlated to clear communication.
__________________________________________________________________
#mortgages #rates #homebuying #home #realestate #loans #programs #sonomacounty #firsttimebuyer #submarine #teamwork #search @newamericanfunding @nafmidpacificregion @mortgage
...

sonomacountymortgage

Got a less than perfect credit score? I hear all ...

Mar 2

Open
Got a less than perfect credit score? I hear all the time you need a 620 score to get an FHA Loan. Well that's just simply not true. @mortgage @newamericanfunding @nafmidpacificregion #santarosa #fha #mortgage #families #rates #options #choices #better #lending

Got a less than perfect credit score? I hear all the time you need a 620 score to get an FHA Loan. Well that's just simply not true. @mortgage @newamericanfunding @nafmidpacificregion #santarosa #fha #mortgage #families #rates #options #choices #better #lending ...

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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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