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   1.  Scott Sheldon
   2.  .Santa Rosa Mortgage Lender
   3.  Please Confirm Your Email Address
   4.  Testimonials
   5.  Sonoma County Mortgages In The News
   6.  How To Apply For A Mortgage
   7.  Comparison Mortgage Shopping
   8.  Loan Documents
   9.  Sonoma County Mortgage Loans
   10.  Mortgage Calculator
   11.  Get A Mortgage Rate Quote
   12.  Santa Rosa Refinance Loans
   13.  Petaluma Home Loans
   14.  First Time Home Buyers
   15.  Healdsburg Mortgages
   16.  Cloverdale Mortgage
   17.  Rohnert Park Mortgage Loans
   18.  Sebastopol Mortgage
   19.  Cotati Home Loans
   20.  Windsor Mortgage Loans
   21.  North Bay Mortgages
   22.  Sonoma County Real Estate Loans
   23.  About Us
   24.  Mortgage Help
   25.  Search Results
   26.  Privacy Policy
   27.  Sitemap
   28.  Mortgage Loan Financing: Credit Scores
   29.  Santa Rosa Mortgage
   30.  Loan Types
   31.  Get Prequalified for Your Home Loan
   32.  Home
   33.  Blog
   34.  Purchase Mortgage Loans
   35.  Refinance Your Home with Sonoma County Mortgages
   36.  Mortgage Loan Programs
   37.  Legal
   38.  FHA Loans
   39.  Fixed Rate Mortgages
   40.  HARP:Making Homes Affordable Program
   41.  Homepath Loans
   42.  USDA Loans
   43.  Cities & Towns
   44.  Terms Of Use
   45.  First Time Home Buyer Programs
   46.  VA Loans
   47.  30 Year Fixed Rate Mortgages
   48.  15 Year Fixed Rate Mortgages
   49.  Jumbo Mortgages
   50.  Loan Process
   51.  Contact Us
   52.  A Free Guide To Sonoma County Home Buying
   53.  Sonoma County Loan Programs: Updates
   54.  Mortgage Rates
   55.  Mortgage Affordability Calculator
   56.  How To Begin Buying A House
   57.  Conventional Mortgage Loans
   58.  Duplex Loans, 2-4 Units, Multi-Family Mortgages
   59.  How To Buy A House In A Seller’s Market
   60.  Conforming Loan Limits
   61.  Jumbo Loans
Posts (319)  
   1.  Key Factors That Drive Up Your Mortgage Costs
   2.  Using Your Brand New Job Or Promotion To Get A Mortgage
   3.  How To Buy Out An Ex-Spouse From A Home
   4.  Buying A Home In A Competitive Real Estate Market? Tips To Increase Your Odds
   5.  How To Avoid Monthly PMI With Less Than 20% Down
   6.  5 Frequent Credit Mistakes Mortgage Shoppers Should Pay Attention To
   7.  Why Auto Loans And Home Loans Do Not Mix
   8.  Carrying A Rental Property May Hurt Your Mortgage Chances
   9.   Its Not Just Your Credit Score That Counts For Getting A Mortgage
   10.  How do I make a bi-weekly mortgage payment if my lender won’t bill me that way?
   11.  Why A Low Rate Loan Is Not Always The Most Affordable
   12.  Why Your Second Job May Not Cut It For A Mortgage
   13.  Discharge A House In Bankrupcty? Not So Fast If You Want A Loan
   14.  Self-Employed? What To Watch For When Lenders Calculate Your Income
   15.  Can I roll the fees into my loan when buying real estate?
   16.  Loophole To Show More Income When Buying A Home
   17.  Big Shoes To Fill With FHA’s Back To Work Program
   18.  Do Tax Losses On Closed Business Hurt My Chances To Qualify For A Mortgage?
   19.  Should I Pay For An Appraisal To Refinance My Home?
   20.  Why Its Not Cheaper Or Easier To Refinance With Your Mortgage Holder
   21.  Home Equity Is Back In Sonoma County- Mortgage Options Follow
   22.  Should I Be Concerned About A Light Documentation Loan Offer?
   23.  How To Buy A House With No Down Payment And No Monthly PMI
   24.  5 Tips For Getting A Mortgage To Buy A Condo
   25.  What To Know When Buying A Flipped Home
   26.  Can I Get A Mortgage With Limited Or No Supporting Financial Documentation?
   27.  It’s Still Possible To Get A Mortgage Despite A Judgement
   28.  What Are High-Priced Loans?
   29.  Why Disputing Credit Accounts May Stop Your Home Purchase
   30.  Avoid These Mortgage Mistakes When Filing Your 2013 Tax Return
   31.  Conventional Loan Post Short Sale? Ominious Credit Reporting Trick To Watch For
   32.  How To Document A Foreclosure, Short Sale Or Bankruptcy For Mortgage Lending
   33.  Old Divorce Affecting My New Mortgage Loan
   34.  3 Credit Scores No Longer Necessary For Mortgage Lending
   35.  Who Decides Which Title Company To Work With For My Mortgage?
   36.  Your Percentage Of Business Ownership May Change Your Mortgage Application Status
   37.  Should I Pay Upfront Fees When Refinancing My Home?
   38.  2 Most Crucial Factors For Securing A Low Mortgage Rate
   39.  Lending LoopHole: FHA Loan For An Investment Property
   40.  Can I choose my own appraiser for my mortgage loan?
   41.  Whats the maximum loan to value permited on second home?
   42.  Paying Off Your Credit Cards May Hurt Your Mortgage Approval
   43.  When Does A 15 Year Loan Change From Paying Interest To Paying Principle?
   44.  Can I buy a house 1 year after a short sale?
   45.  How Do I refinance my Sonoma County Energy Independance loan?
   46.  What The 2014 FHA Loan Limits’ Reduction Means For Home Buyers
   47.  How Do I Calculate Mortgage Insurance On A Conventional Loan?
   48.  Why Is My Mortgage Rate On My New Loan So High?
   49.  Why Multiple Financed Properties Can Be Pricey
   50.  Why The House Down Street Will Not Affect My Refinance?
   51.  Home Mortgage Loans That Won’t Turn Back The Clock
   52.  How To Buy A Home By Selling Another
   53.  Where is The Best Place To Shop Mortgage Rates?
   54.  Is there a way to cover costs when buying a home?
   55.  Tips To Financing Closing Costs
   56.  How do collections affect my chances of getting a mortgage loan?
   57.  Why Does Your Mortgage Loan Disclosures Show Higher Closing Costs?
   58.  How Much Of Your Income To Be Saving For Buying A House
   59.  Looking To Refinance An Investment Property, not Harp 2 Eligible?
   60.  Best Loan Choices For Remodeling Your Sonoma County Home
   61.  Current Conforming Loan Limits Supports No Change Comes Spring 2014
   62.  Quick Way To Determine How Much Your House Must Appraise At To Refi
   63.  Why does my lender keep sending me loan disclosures?
   64.  Is The Shutdown Stopping Sonoma County Mortgage Fundings?
   65.  How can I change mortgage loan types during the escrow process?
   66.  Buying A Sonoma County Fixer? What You’ll Need To Be Aware Of
   67.  My credit score is 620. Do I even have a chance of buying a house? Another Lender told me 640.
   68.  Where do you guys make home mortgages?
   69.  Will Credit Cards Help Me Land A Mortgage?
   70.  I have multiple financed properties? Can I still get a mortgage?
   71.  How Getting Married Can Halt Your Chances Of Buying A Home
   72.  Delayed Financing Rule: A Cash-Out Refinance With No Wait Time
   73.  How To Correctly Pay Off Debt When Getting A Mortgage
   74.  5 Flexible Ways To Come Up With A Down Payment
   75.  Pinpointing Your Rate When Refinancing Your Mortgage
   76.  Can I have two FHA Loans out at the same time?
   77.  Slick Mortgage Rate Strategy For Buying A House
   78.  Two Pricey Home Loans Consumers Should Watch For
   79.  Signs It’s Time To Wait Applying For A Mortgage Loan
   80.  How Does Having a Co-Signor Help Me Get A Mortgage?
   81.  Can I Buy A House With Bad Credit? You Bet!
   82.  Can I get pre-approved without having my credit ran?
   83.  Why Student Loans Can Hurt Your Mortgage Application: Avoid Denial
   84.  Single Pay Mortgage Insurance: A Secret Alternative To Avoiding Monthly PMI
   85.  Are Home Appraisals Transferable To Another Mortgage Company?
   86.  Renting? How About Buying The Buy House Instead?
   87.  Mortgage Rates Are Higher. Is an adjustable rate mortgage a better fit?
   88.  Income Property: Why These Mortgage Types Cost More
   89.  I Have More Than 4 Financed Properties.Are There Any Choices For Me?
   90.  Can I Buy A House With Late Rent Payment On My Record?
   91.  Why Is My Mortgage Pay Off Higher Than My Principal Balance?
   92.  Buying A House? How To Hedge Against Higher Rates
   93.  How Divorce Affects Your Ability To Qualify For A Mortgage
   94.  HARP After HAMP: How To Refinance After A Recent Loan Modification
   95.  Home Repairs To Improve Value?
   96.  I’m trying to get a mortgage, but my credit score isn’t high enough, what can I do to improve my credit rating?
   97.  Why Do Closing Costs Cost More When Buying A House?
   98.  Do I really skip a mortgage payment when refinancing my home?
   99.  What Internet Only Lenders Won’t You: How They Really Operate
   100.  Mortgages: What Consumers Need To Know About The Annual Percentage Rate

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Contact Scott About Your Home Loan Questions

Please email me your questions and I'll get back to you within one business day. -Scott