Connect With Me:





Scott Sheldon


Contact Info:

Senior Loan Officer

707-217-4000

scott@sonomacountymortgages.com

http://www.sonomacountymortgages.com

WJB Bradley Mortgage Capital

2455 Bennett Valley Road S b117


About Me:

Scott Sheldon is a senior loan officer and consumer advocate. Scott has been seen in CNN Money, the Wall Street Journal, MarketWatch, Zillow, Yahoo! Homes & Fox Business News. Get a free Mortgage Rate Quote


Author Archives: Scott Sheldon

The Largest Mortgage You Can Get Is….

Buying or refinancing a home in a high cost market?  With so many attractive interest rates advertised and loan programs available in the lending environment today deciphering what interest rate and program is needed to successfully pull off your transaction can be something else entirely. Need a big mortgage loan? Read on… $417k Conventional Conforming […]

Here’s A Practical Lending Approach To Avoid Jumping Through Hoops

Ever here one of those stories in the break room how getting a mortgage is difficult? “I had to jump through so many hoops to get my mortgage, it was ridiculous. They keep asking me for financial information, I swear I already provided them.”  Reality check-obtaining a mortgage is no easy feat these days no […]

Can’t Buy A House? How To Refinance To Qualify

An important home buying hurdle you’ll need to over is the relationship between the proposed new housing payment and current liabilities against your monthly pre-tax income. The payment to income ratio on debts, including other debt houses you own, play a vital role for the mortgage broker determining how much house you can bite off. […]

Why Your Mortgaged Rental Property May Not Help You

Do you own rental property? If yes, and you’re looking to borrow money with a new mortgage, your gain or loss identified by your tax returns may help or hinder your chances of procuring favorable credit. Lenders can use up to 75% of the rents generated, however, if there is a history of rental losses, […]

Getting A Mortgage Post Financial Calamity- What You Need To Know Surrounding Joint Chapter 7 & Foreclosure

If you have had a previous bankruptcy and lost a home in the last few years, the road to getting a new loan could be treacherous. Contrary to popular belief, for the purposes of obtaining mortgage credit, you cannot discharge home bankruptcy. What you must aware of getting a mortgage if you tried to discharge […]

Are You Self Employed? Know What Lenders Look For When Getting A Mortgage

Since the inception of qualified mortgages this year, the process to successfully to close on a mortgage has been compliant heavy by industry standards. Such is especially true if you own your business. It’s no mystery there is a general consensus amongst business owner consumers, banks do not make ability to qualify easy for the […]

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