The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

California homes near wildfire zones highlighting insurance challenges due to climate change.

Why Home Insurance Is Skyrocketing in California—and What Buyers Should Know

By Scott Sheldon / April 29, 2025

​Climate Change and Mortgage Challenges: Navigating Homeownership in California In recent years, climate change has emerged as a significant factor influencing various aspects of homeownership, particularly in California. From escalating insurance premiums to challenges in refinancing and purchasing homes, residents are navigating a complex landscape shaped by environmental and economic forces.​ Rising Insurance Costs Amid…

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VA Loans in Community Property States: How to Manage Spouse’s Credit and Debt in California

VA Loans in Community Property States: How to Manage Spouse’s Credit and Debt in California

By Scott Sheldon / July 31, 2024

Navigating VA Loans in Community Property States: A Guide for Married Couples in Sonoma and Lake County, California Buying a home is a monumental step, and securing a VA loan can be a fantastic option for veterans looking to make that dream a reality. However, living in a community property state like California adds a…

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