and how a non-borrowing spouse’s credit and income can affect your mortgage approval. Archives - Sonoma County Mortgages https://sonomacountymortgages.com/tag/and-how-a-non-borrowing-spouses-credit-and-income-can-affect-your-mortgage-approval/ Wed, 24 Sep 2025 17:33:49 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://sonomacountymortgages.com/wp-content/uploads/2023/05/cropped-scm2-sonoma-cm-2-32x32.png and how a non-borrowing spouse’s credit and income can affect your mortgage approval. Archives - Sonoma County Mortgages https://sonomacountymortgages.com/tag/and-how-a-non-borrowing-spouses-credit-and-income-can-affect-your-mortgage-approval/ 32 32 VA and FHA Loans in Community Property States https://sonomacountymortgages.com/2025/11/va-fha-community/ Wed, 12 Nov 2025 15:31:25 +0000 https://sonomacountymortgages.com/?p=518979 Illustration showing a couple reviewing mortgage documents with VA and FHA logos representing community property ruleIf you’re applying for a VA or FHA mortgage in a community property state—such as California, Arizona, Texas, or Washington—there are unique rules about how a spouse’s credit and income are treated. Understanding these rules can help you avoid surprises and plan your loan strategy with confidence. Community Property Basics In community property states, most…

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