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 The Top Mortgage Fees To Know When Appyling For Credit

Let’s cut to the chase obtaining a mortgage to buy a home or refinance one you already own is not cheap. There’s no two ways about it. Encumbering property is going to cost some bucks. Knowing the fees lenders charge including both upfront and later on in the transaction can help ensure you’re getting a […]

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Today’s Mortgage Lending Environment Still Has Some Aspects That Do Not Make Sense

Banks want you to believe getting a these days is easier and that may be case if, you’re financial house is in order. Here is what you need to know about how to plan for the nuances, that may illogically arise… The reality is that if you’re going to be getting a mortgage in today’s […]

Here Is Why 5% Mortgage Rates Are A Long Ways Out

The direction of mortgage interest rates drive the housing market. We’ve been spoiled with ultra-low rates the last few years with many experts predicating  2014 was going to be the year of 5% rates, they were wrong. Here’s why we’re not going to be seeing 5% mortgage rates anytime soon. Ability To Procure Credit Reality […]

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Have A Funky Financial Issue? You May Still Be Able To Get A Mortgage

Had a previous bad credit event? Don’t have two years in the same field? Income not three times your proposed payment? Fear not, when your financial picture doesn’t fit the box, here’s how you may still qualify some lenders… To get a mortgage, you must have the four pillars lenders use to frame together a […]

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. […]