Scott Sheldon was so personable. The whole office had great service and I got a great rate. I would most definitely use them again.

Scott and his team are the ONLY lender we will work with. We were so happy and impressed with the service we got in 2020 for our first house, we had no one else we wanted to reach out to for my sister's house. I wish I could tell you just how much work they did for us, but it would be 20 pages long! Everyday I had contact with someone if not Scott by text, call, or email. There was never guessing where we were with the loan process. There was never a phone call or email from me, not answered by them. If I had a question or needed extra info, I got it. I didn't feel like I was a burden to them when I would reach out. Sometimes, you can tell when you have made one to many calls or you sent one to many emails, we never felt this from Scott, Desiree or any of his team members! You will not be disappointed with working with New American and Scott! read more

Great job! Very helpful with the loan and all our needs. Very competitive rates. They were able to match the lowest mortgage rate I came across and they made it really easy. Thanks Scott! read more

Scott went above and beyond with every step to make the experience of purchasing a home as stress-free as possible with every bump that popped up. He was calm and reassuring. Never made us feel like it wasn't going to happen. He took the time to return calls, emails, answer questions and to line things up in a timely fashion. I can not say enough to incredible things about how wonderful Scott was to my family. Thank you for helping us get into our first HOME! read more

DO NOT TRUST this company. They used bait and switch tactics. I was told that they could refinance a jumbo loan in an amount that Wells Fargo, quicken loans, and other banks said that I would have to pay down first to keep it under 1 mil. After a couple of months of providing them paperwork and then more paperwork - they called me to tell me that they were happy to get the loan ready and all I had to do was bring 90K with me to close the loan (this was supposed to be a loan with no money needed at escrow to close). I could have gotten the same loan directly with a bank or quicken loans than with these guys. I needed to refi because the loan that I had was a bridge loan with a huge payment of interest only and the payment was coming due. I pretty much had to move forward with this loan or start over with one of the other companies that could do the same amount but in the meantime I'd be paying a lot in interests. Soooo.... Scott apologized and told me (and sent me an email in writing) stating, "On any loan as long as the loan is at least a hundred thousand we will cover all of your closing costs title escrow notary doc prep all of those things, we will do this loan at cost complimentary as promised in our phone discussion today. This will be subject to qualifying of course, an appraisal of the property, and current market rates whatever they are at whatever time you decide to do this. Feel free to save this email and I will make sure to honor when that time comes." So not too long after the above loan closed- the time came that I needed to buy a place for my sister-in-law after my mother-in-law passed. I gave Scott the benefit of the doubt and went to him for the loan - my hope was that he would make good on his promise. I had given him an opportunity to practice integrity and make right something that could have been a mistake. Well- he didn't give me any credits, discounts, concessions, or cover any fees (I had friend who is a lender review the disclosures and there was no mention of credits plus he said the lender fee i paid was really high). By the time I saw this I was three days away from the close of escrow on the purchase which did not give me enough time to find another lender. Also I had shopped around first and found that Quicken Loans had the lowest rate - and Scott sent me something showing that he beat quicken loans rate. That was BS - by the time the loan funded his rate was higher and my down payment was more. When I confronted Scott his reply was, "Right that was based on your owner-occupied rate and term refinance for your primary home.The loan that we presently have it play on the condo has discount points removed so that credit and price is built into this transaction rental property loans cost more than owner-occupied refinances" What happened to: "Any loan over 100,000" especially since Scott knew that I had just purchased and refinanced my dream house and that I am a real estate investor with multiple rental income properties. He also knew that I was going with him because it was his chance to make this right. Do yourself a favor and use a different lender. I've had better luck with LendingTree, hard money lenders, credit unions, and banks. read more

Horrible experience. Well, I left a bad review a few months ago because a very bad experience, but after a call from them, I decided to remove the review. They promised to call me back in January and I am still waiting... But I don't care, I am working now with a very good mortgage company... He cost me valuable time: First thing I told them, that I didn't have my tax return of the last 2 years because I was living in my country. After one month wasting my time, they told me they couldn't help because of the tax returns.... Hello??? it was the first thing I told you in my first call......!!!! Knowing that, they ran my credit, and my credit score was affected... Don't call me because I am not going to remove the review again. read more

We did our home loan through them and I would not return.. We had an appointment at the title company to sign all our closing documents with the title company and our real estate agent. Scott kept saying he would have the documents ready on that day, including on the day we were supposed to sign. Well we showed up there to sign them and there were no documents to sign and after calling Scott several times while at the title company, he finally picked up the phone but did not have an answer for us. We ended up closing a couple weeks late. Now I get Robo calls from him almost weekly about refinancing, even after I've blocked his number. The calls come from an unknown number! And we bought our house over two years ago!! read more

I have worked with Scott and his team twice now, both our first loan as new homeowners as well as our refinance. I had the unfortunate timing of being in escrow in the fall of 2017 when the Tubbs fire broke out in Santa Rosa. Because of this disaster, no banks in the county were closing escrow and everything was on hold. Scott was able to push our loan through and let us close escrow even when the county was still under a state of emergency. He and his team have always been able to answer our questions and follow up with us in a timely manner. Thanks for all your hard work, great communication and flexibility in working with us twice now! read more

I can't recommend Scott and Mary highly enough! When our seller would not negotiate on price, we were almost out of luck purchasing our property because the loan we were offered (from our real estate agent's loan broker) was too expensive. Scott Sheldon to the rescue! He found us a great loan product for our needs. His rate was so much better it enabled us to make the purchase. In addition, his product includes some great extras, like an included refi if rates improve. But our recommendation of Scott is about much more than numbers. We had a complex housing purchase involving several buyers, a complicated property, and numerous challenges. Our original loan broker was a personal contact who we had trusted, so we did not know we should shop around. Thank goodness we did. Scott spent a lot of time establishing trust with us by sharing how he works. He then went way above and beyond, by answering the MANY questions, concerns and fears we had due to the unique and complex deal. Mary, who works with him, was also knowledgeable and helpful as we made our way through the process, and generous with her time. My only regret about working with Scott is that I didn't go to him for my previous home purchases. I don't even want to think of how much more I paid than if I had applied through Scott. I highly recommend checking with him for loan products - I have already personally referred my friends to him. We were lucky to have connected with him. read more

I am very thankful to have been referred to Scott by a friend and I have nothing but positive things to say about him. This was my first time buying a home and the experience was excellent. From start to finish, the process took just a month. No matter how stupid my questions were, Scott answered them promptly and honestly. It's been a month since closing and he's still on top of any questions or concerns I've had. From the start, Scott was very thorough. I was presented with an opportunity to buy the home I was renting, but I could only afford a 10% down payment. He talked me through my options, and I was always comfortable taking his advice. I never felt as if Scott was trying to mislead or be unethical, but that he ultimately had my best interests at heart. If I couldn't afford the home or wasn't in as good of a place financially, I am sure that Scott wouldn't have put me into a loan. He let me know that since this is my 1st home, it shouldn't be seen as an investment property but that I can afford it first and foremost won't break my bank account. Since I didn't have any real estate agents involved in addition to being a first time buyer, I think my case was a little unique and required more attention. Scott didn't have to, but because of this I felt like he took on more responsibility from providing additional documents to protect me, talking directly to the seller, giving me additional personal advice when I asked, and referring a real estate attorney that he uses personally for additional questions that he couldn't answer. Without a doubt, I will be referring others to Scott and be returning to him for future business. It has been a pleasure. Thanks again, Scott! read more

When I first came to Scott for a mortgage to buy a home he took all my financial and private information telling me that I qualified for a good rate on a loan. He really worked my confidence like a used car salesman, I could feel he was slimy but I let my decision to use him based on the original numbers he promised not my gut that he was being very dishonest to me. There was never a single time that I did not have every document he requested or a moment that he had to wait for me, yet him responding to me was almost impossible unless it was minutes before they closed the office on a Friday. I was patient and had faith he would get things done on his end. I went into contract on the new home and at this time my credit went up as did my income and savings during this time but each time I spoke to him, the rate went up, the down payment kept rising as did the closing costs and even scarier the escrow period was running out. I voiced my concerns and tried to get him to work on it, but he always had an excuse as to why it was someone else's fault, a boss a assistant or an underwriter who didn't so their job, with always the same reassurances that the loan was fine and I could plan my move..... well as the last minute when it was apparent I was going to lose the home due to not funding the loan he can back at me with a substantially larger interest rate, a much larger down payment that conveniently was the total amount of cash I could pull from every account and my 401k, any thing he thought I could borrow from family and went from being Mr Friendly car salesman personality to a cold take it or leave it guy who used the counties post fire fears, problems and housing crisis as a way to try and make as much extra profit for himself . It turned a joyous occasion to one of unbelievable stress and fear. I can't believe I thought it would be better to use a local guy than my credit union. I strongly warn anyone who is considering buying a home, refinancing or anything mortgage related from using this guy. You think when someone gives you their word that it would mean something. The fact is, Scott will tell you yes yes yes the whole way thru with no regard for if it's actually true, he will string you along till the bitter end and act like he did all he could. Not only was I able to get funding easily from my credit union at a better rate and with a down payment that sets me up for success not some guy trying to profit from the fires and people's desperation in this crazy housing crisis. Don't trust your largest purchase to a guy who just applies for loans in your name online all day and has zero actual ability to help you qualify or get it done. If he can get you funded you most assuredly can get yourself funded with any actual lender. He cost me valuable time and gave me grey hairs. The industry almost collapsed because of super negligent loan brokers with only greed to guide their business ethics. Sonoma County deserves better and so do you! Good luck with your loans folks, be smart read more

What can I say about Scott that hasn't been said already? A couple years ago, my wife and I purchased our first home and used Scott to help finance our home. Oh boy were we happy we went though Scott and Sonoma County Mortgages. Scott is helpful, courteous, and EVERYTHING you want in a lender. If you are looking for a lender, do yourself a favor and work with Scott. You'll be glad you did! read more

Scott was a straight shooter from the beginning. I did a refinance with with him specifically to get a little cash to pay off some old bills, we looked over the options and he was able to lay out clearly what the possibilities were despite my imperfect credit score. The plan worked out! Refi once to pay off credit cards now, stay tight with the budget for about six months until the credit score goes up then go after a second refi at a better rate. The timing was just right. Paid off the bills and came back six months later to get a solid lower rate and a shorter term with the new and improved scores. He and his crew very efficient and helpful throughout the entire process, they put up with stickler client (me) and came through looking great. Would definitely recommend! read more

Scott and his team have been remarkably helpful with both a re-finance of a home and the purchase of a new home. He has helped us make a transition to the bigger home we needed and had feared was out of reach. Grateful! read more

Scott did everything he said he would and got my refinanace done in a timely matter. I would really recommend his service to anyone who is looking to purchase or refinance. He stayed in touch with me me through the whole process. read more

In the past ~2 years I've completed two Refis and one new home mortgage with Scott. Needless say, I'm very happy. Scott has a deep understanding of the industry and is always eager to lock in the best loan product for the client. What you'll find most impressive with Scott is his attentiveness and attention to detail. I've gone through the mortgage process with other companies, dealing with the nightmares of an unorganized process, delayed responses, etc. The exact opposite is true with Scott. A pleasure to work with - cannot say enough. read more

Scott was the first person my wife and I talked to about buying a home. He was really knowledgeable, but explained things in a way we could understand. He and his team worked to answer questions for us as they came up, and he ran several different options for us depending on how much we wanted to spend and how much we wanted to put down. That helped us make a decision that felt right for us. Scott also gave us some tips for checking out the neighborhood, reminding us that when you buy a house, you are buying the neighborhood, too, in terms of schools, and other things. The paperwork we received prior to closing the loan was easy to read. I knew what my interest rate was, that it was fixed, what my monthly payment was, and how long it will take to pay the loan off. At one point in the closing process, there was an issue with some paperwork (not on Scott's company's end), and I called him a little upset and not knowing what to do. He remained calm and explained what our next steps were to problem -solve the issue. Everything worked out fine, and we have our house. Thanks, Scott, to you and your team. read more

I financed my house through Scott in 2012 and he made it incredibly easy. He helped me get a great interest rate and he's remarkably accessible and will answer any question you have promptly and thoroughly. In fact, he still makes sure questions I have about my mortgage are being answered, even though it's being serviced by a different company. He clearly knows his stuff and will help you get the most appropriate financing for your needs. read more

My husband and I first started consulting with Scott about a dream to buy a home a few years ago. He seemed to have our best interest at heart, and we never once felt like he was going to lead us into a situation that was too risky. We tend to shy away from a lot of financial risk, something Scott respected and which signaled to us a strong sense of integrity. Scott gave my husband and I some concrete next steps to take that would put us in a better place where we could comfortably afford to purchase a home. We followed those, and when we were ready, Scott and his team helped carry our dream over the finish line. Scott is a go-getter, which is a quality you definitely want in this process. He worked incredibly well with our team of professionals (real estate agent, title company) as well as those on his own team to advocate for us and answer any questions we had along the way. He was incredibly reassuring throughout the process, and based on the other reviews, I can see this is his norm. Highly recommend him! read more

I was looking for a rental after being transferred to Petaluma, my broker put me in contact with Scott and after discussing my credit history he told me "I can get you a loan". Well I am pleased that today I am in a brand new home with a great interest rate thanks to Scott and Christine. We had to do a lot of work long distance and over the Christmas and New Years holidays which were definitely a challenge. They did a tremendous job and I really appreciate the close personal involvement. It made a difference. I have recommended Scott to several coworkers, and he is about to close on a loan for my boss. read more

Scott was very easy to work with. After a bad experience with another lender, it was very refreshing to know that it doesn't have to be a stressful experience. It was less than one month from meeting with Scott that we closed on our house. I highly recommend Scott and his team! read more

Scott was awesome! He was fast, efficient and courteous. He found the home loan we were looking for, and made the whole process very simple and easy to understand. Highly recommended!! read more

Five stars and very helpful in getting our escrow closed. We were referred to Scott by a family member and are glad we called him for financing our home purchase, He was diligent and clearly went above and beyond to get us a home loan. I highly recommend his services as he worked closely with our agent and kept open communication regarding the whole process. Thank You Scott! You guys ROCK! read more

Scott is the BEST! We just purchased our very first home with Scott's help. We were initially going with a credit union, but after speaking with Scott the first time, it was clear he was going to be a lot more helpful and a lot more responsive than the credit union had been. Not only did Scott get us a lower rate, he also went above and beyond, calling the selling agent when we finally found a place and helping to get our offer accepted. He and Christine are probably the most responsive people I've ever had the pleasure to work with. They get back to you almost instantaneously, are happy to answer any questions and take the time to explain each step, and really act as your ally through the whole home-buying process. I would especially recommend Scott for first time home buyers. The process can be overwhelming and confusing if you're new to it, and Scott made it easy, understandable, and an all around happy and exciting experience (like it should be!). read more

Scott just refinanced our home in Santa Rosa (Rincon Valley) and it went very smoothly. Scott or his assistant Christine answered every question we had from start to finish. Every thing we wanted to get from our refinance Scott was able to accomplish with no hitches during the process. Scott definately deserves 5 stars!! read more

Scott was persistent in getting us to look at refinancing with him and I'm very happy that he was. Our refinance with Summit has given us the breathing room we needed to take control of our finances and start saving for the future. Ultimately Scott used his knowledge of our particular situation to figure out a plan that worked best for us. His team made the process very smooth and painless. He's really committed and it's nice to know that he'll be there to work with again in the future when another refinance could be of further benefit to our family or if we decide to buy a new home. Having been through a couple of home purchases and a few refinances I've learned how important it is to have someone to work with who is willing to take the time to understand your situation and to stay focused on your account until your loan is funded. I plan on recommending Scott to friends and family as often as I can. read more

I've used Scott 3 times now and he has done an excellent job every time. The first time when I bought my house and on 2 refis. I can't recommend Scott enough. He works hard to make sure you get the loan what you want. He knows what he's doing and helps to make sure you have a thorough understanding of everything as well. He was always there to answer any questions I had. One of the things I personally liked was that he made note of my financial goals and objectives with my house and contacted me when the opportunities arose for both house refis. Scott was a pleasure to work with. I highly recommend his services. read more

Scott and his team got us into our house in 23 days from finding it to keys in hand. It took immediate responses from us on document requests and his team doing the same on the other end but we pulled it off ahead of schedule and under budget. A great team to work with. read more

Working with Scott and his team has been great. Every step of the way they have been there to answer our questions and address our concerns. From our first meeting in office with Scott we felt like he was upfront and honest, he was concerned with finding the right solution for our situation. My husband and I are first time homebuyers so it was important that we had a loan officer that communicated clearly. Scott explained the process to us and set our expectations from the beginning. He has a clear process - he sends out an update email every Tuesday so you know exactly what the status of your loan is. He and his team communicated efficiently with my real estate agent on an ongoing basis which made things easy on us not having to play middle man. Our loan closed in under 30 days, which to my understanding is quite fast! We could not be happier with the outcome and would not hesitate to recommend Scott to friends and family. read more

I met Scott 2 years before I was ready to purchase. This guy was very informative and extremely patient. I had constant contact with Scott throughout those 2 years which helped my wife and I develop a plan to realize our dream of owning a home. Thank you Scott! read more

Scott and his assistant Ms. Leathers are one of the most effective financing teams I've had the pleasure of working with. He did a great job refinancing my existing home and has been incredibly helpful in my effort to buy another. He always returns calls immediately, he can be counted on for promptly responding to requests for pre-qualification letters, and he's spot-on in troubleshooting the myriad of financing obstacles facing buyers today. He was also successful in qualifying a co-worker of mine with some challenging credit issues, an effort which yielded a first time home purchase in a very difficult credit market. He is also trustworthy in the sense that he can be counted on to find the best terms and options todays underwriting entities are offering. I will continue to recommend his services to anyone wishing to qualify for a loan. I've used other loan agents previously, and he has raised the bar in service to a new level. read more