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.

Specializes in

Credit Tools

Credit report card

Free credit score and credit report snapshot

Get your free score

Calculators

Tools to help you take control of your financial goals

Calculate your savings

Free credit repair assessment

Ensure you have an accurate credit report

Learn more
All of Scott's posts
The Mortgage Mistake You May Not Realize You're Making
mortgages

The Mortgage Mistake You May Not Realize You're Making

It’s no secret you need cash on hand to get a mortgage, but the way you handle that cash can seriously derail your homeownership chances.

Scott Sheldon

How to Keep a Low-Down-Payment Mortgage Affordable
mortgages

How to Keep a Low-Down-Payment Mortgage Affordable

There is a way to buy a home with less than 20% down while avoiding the dreaded mortgage insurance, effectively lowering your monthly payment.

Scott Sheldon

What's the Biggest Mortgage You Can Get?
mortgages

What's the Biggest Mortgage You Can Get?

Are you buying or refinancing a home in a high-cost market and need a big mortgage loan? Here's how to find the loan program that works best for you.

Scott Sheldon

4 Unconventional Homes You Can Buy & How to Do It
mortgages

4 Unconventional Homes You Can Buy & How to Do It

As challenging as it may be to finance an alternative property type, it can be done. Here's how to get a mortgage for an unconventional home.

Scott Sheldon

How a Deferred Student Loan Could Keep You From Buying a House
mortgages

How a Deferred Student Loan Could Keep You From Buying a House

Do you have student loans in deferment, but want to get a mortgage to buy a home? That could cause a hiccup in your mortgage approval process.

Scott Sheldon

Why Your Job Matters When Buying a Home
mortgages

Why Your Job Matters When Buying a Home

Did you just recently get a new job or receive a promotion? You can still get a mortgage, you just have to approach it the right way to seal the deal.

Scott Sheldon

How to Divide Your House in a Divorce
mortgages

How to Divide Your House in a Divorce

Want to buy a home, but you're getting a divorce and still tied to a house that's no longer yours? Here's how to get a mortgage to buy out your ex.

Scott Sheldon

5 Credit Moves That Could Wreck Your Mortgage
mortgages

5 Credit Moves That Could Wreck Your Mortgage

While credit standards have somewhat loosened up in home lending, there are still some credit mistakes that could throw a wrench in your mortgage process.

Scott Sheldon

Why the Lowest Mortgage Rate May Not Be the Best
mortgages

Why the Lowest Mortgage Rate May Not Be the Best

Interest rate isn’t the only factor that can drive up your projected new monthly mortgage payment. Here's what to watch out for if you want a lower payment.

Scott Sheldon

When a Second Job Won't Help You Buy a Home
mortgages

When a Second Job Won't Help You Buy a Home

You have a great credit score, low debt, solid income, cash ready to go, but you still can't get a mortgage. Will a second job help you? Not necessarily.

Scott Sheldon