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

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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Buying A Flipped Home? Mortgage Stipulations To Be Aware Of

House hunting? If your appetite for a turnkey renovated home is a flipped house, you may end up jumping through more hoops to close escrow. What Is A Flipped Home? A flipped property is a situation where the house is acquired usually by a real estate investment company (also could be an individual) and is re-offered […]

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