The Mortgage Files

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

What to Know About Getting a Mortgage Loan in a Community Property State With FHA or VA Financing

By Scott Sheldon / October 7, 2026

In a community property state such as California, a non-borrowing spouse’s debts can still affect FHA or VA mortgage qualification. Here is what buyers need to know.

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…