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
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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.
Read More about What to Know About Getting a Mortgage Loan in a Community Property State With FHA or VA FinancingVA Loans in Community Property States: How to Manage Spouse’s Credit and Debt in California
By Scott Sheldon
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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…
Read More about VA Loans in Community Property States: How to Manage Spouse’s Credit and Debt in California