Scott Sheldon

Scott Sheldon

Scott Sheldon is a senior loan officer and consumer advocate in Santa Rosa, California. His work has appeared in Yahoo! Homes, CNN Money, MarketWatch and The Wall Street Journal. Connect with him at Sonoma County Mortgages.

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All of Scott's posts
Is There Really Any Difference Between Mortgage Lenders?
mortgages

Is There Really Any Difference Between Mortgage Lenders?

So, you're trying to figure out which mortgage company is the best fit for you. Is there really any difference between mortgage lenders?

Scott Sheldon

Buying a Fixer Upper? Here's What You Should Know
mortgages

Buying a Fixer Upper? Here's What You Should Know

Here are some things to consider when you're thinking about buying a fixer upper.

Scott Sheldon

How to Get a Mortgage After a Loan Modification
mortgages

How to Get a Mortgage After a Loan Modification

How to Get a Mortgage After a Loan Modification

Scott Sheldon

7 Times You'll Need Extra Paperwork to Get a Mortgage
mortgages

7 Times You'll Need Extra Paperwork to Get a Mortgage

If you are applying for a mortgage, here is a list of the documentation you'll need.

Scott Sheldon

Why Your Mortgage Might Be Missing From Your Credit Report
mortgages

Why Your Mortgage Might Be Missing From Your Credit Report

Paying off a home loan properly generally helps you build credit, but there are two instances where your mortgage may be missing from your credit report.

Scott Sheldon

Is Your Car Lease Keeping You From Buying a Home?
mortgages

Is Your Car Lease Keeping You From Buying a Home?

Your car lease will be a factor when you look to buy a home. Here's how to make sure it doesn't trip you up.

Scott Sheldon

How Often Can I Refinance My Mortgage?
mortgages

How Often Can I Refinance My Mortgage?

Though it may come as a surprise, there is no limitation to how frequently you can refinance your home. But is constantly refinancing a smart move?

Scott Sheldon

The Loophole That Could Help You Buy a Home Even If You Have a Lot of Debt
mortgages

The Loophole That Could Help You Buy a Home Even If You Have a Lot of Debt

Certain installment loans may be omitted from the debt-to-income ratio ... which can help people buy a home with debt.

Scott Sheldon

When Should I Lock In My Mortgage Rate?
mortgages

When Should I Lock In My Mortgage Rate?

There are times when locking in a mortgage rate at loan application or appraisal could be worthwhile.

Scott Sheldon

Here's How to Buy a House Without a 20% Down Payment
mortgages

Here's How to Buy a House Without a 20% Down Payment

If you’re thinking about buying a home, you may need less money than you think. Here's what you can do to buy a home using as little money down as possible.

Scott Sheldon