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
How to Buy a Home When You're Self-Employed
mortgages

How to Buy a Home When You're Self-Employed

With qualified mortgages, closing on a mortgage has become compliant-heavy. It's even tougher to buy a home when you are self-employed. Here's what to expect.

Scott Sheldon

How to Get a Mortgage Despite a Debt Judgment
mortgages

How to Get a Mortgage Despite a Debt Judgment

A judgment can hurt your ability to get a mortgage -- unless you take specific steps.

Scott Sheldon

How a Credit Report Dispute Could Stop You From Buying a Home
credit reports

How a Credit Report Dispute Could Stop You From Buying a Home

Have you ever had a disagreement with a creditor? If yes, you may want to think twice about filing a credit report dispute if you plan to buy a home.

Scott Sheldon

Do You Need 3 Credit Scores to Get a Mortgage?
mortgages

Do You Need 3 Credit Scores to Get a Mortgage?

To get a mortgage these days, home buyers are typically required to have three credit scores. But what do you do if you don't have three credit scores?

Scott Sheldon

How to Refinance Without Resetting the Mortgage Clock
mortgages

How to Refinance Without Resetting the Mortgage Clock

If you're thinking about a refi on your mortgage, but don't know how to refinance without resetting the clock on your loan, we have some tips.

Scott Sheldon

How to Buy & Sell a Home at the Same Time
mortgages

How to Buy & Sell a Home at the Same Time

Looking to trade up to a new house? Here's how to buy and sell a home at the same time.

Scott Sheldon

How to Finance Your Mortgage Closing Costs
mortgages

How to Finance Your Mortgage Closing Costs

Whether you’re buying a home or refinancing, mortgage closing costs are an inevitable part of the transaction. Here are some ways to absorb the costs.

Scott Sheldon

5 Creative Ways to Come Up With a Down Payment
mortgages

5 Creative Ways to Come Up With a Down Payment

To purchase a home today, you need a down payment of at least 3.5% of the price. Here are five ways you can come up with a down payment to seal the deal.

Scott Sheldon

5 Times It Pays to Wait to Get a Mortgage
mortgages

5 Times It Pays to Wait to Get a Mortgage

If you're applying for a mortgage but are having second thoughts, here's when it makes sense to wait to get a mortgage.

Scott Sheldon

8 Key Facts About Your Mortgage APR
mortgages

8 Key Facts About Your Mortgage APR

Most home buyers are concerned with the annual percentage rate -- APR for short. Here's what you probably don't know about this mysterious figure.

Scott Sheldon