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	<title>married buying a home Archives - Sonoma County Mortgages</title>
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		<title>Buying a Home While Married in a Community Property State</title>
		<link>https://sonomacountymortgages.com/2026/01/married-loan-rules/</link>
		
		<dc:creator><![CDATA[Scott Sheldon]]></dc:creator>
		<pubDate>Sun, 04 Jan 2026 16:51:47 +0000</pubDate>
				<category><![CDATA[Economic News]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Buying a Home While Married in a Community Property State]]></category>
		<category><![CDATA[community property mortgage rules]]></category>
		<category><![CDATA[married buying a home]]></category>
		<category><![CDATA[non borrowing spouse credit]]></category>
		<category><![CDATA[spouse debt FHA loan]]></category>
		<category><![CDATA[VA loan spouse income]]></category>
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					<description><![CDATA[<p><img width="1024" height="1024" src="https://sonomacountymortgages.com/wp-content/uploads/2023/05/THE-MORTGAGE-FILES-1024x1024.jpg" class="attachment-large size-large wp-post-image default-featured-img" alt="Scott Sheldon&#039;s The Mortgage FIles Blog" style="float:left; margin-right:10px; height: 150px; width: 300px; border: 2px solid #e5e5e5" decoding="async" srcset="https://sonomacountymortgages.com/wp-content/uploads/2023/05/THE-MORTGAGE-FILES-1024x1024.jpg 1024w, https://sonomacountymortgages.com/wp-content/uploads/2023/05/THE-MORTGAGE-FILES-300x300.jpg 300w, https://sonomacountymortgages.com/wp-content/uploads/2023/05/THE-MORTGAGE-FILES-150x150.jpg 150w, https://sonomacountymortgages.com/wp-content/uploads/2023/05/THE-MORTGAGE-FILES-768x768.jpg 768w, https://sonomacountymortgages.com/wp-content/uploads/2023/05/THE-MORTGAGE-FILES.jpg 1320w" sizes="(max-width: 1024px) 100vw, 1024px" />Buying a home is exciting—but if you’re married and live in a community property state, there’s an important rule that surprises many buyers. Even if only one spouse is on the mortgage, the lender may still need to review the other spouse’s debts. This can have a real impact on how much home you can&#8230;</p>
<p>The post <a href="https://sonomacountymortgages.com/2026/01/married-loan-rules/">Buying a Home While Married in a Community Property State</a> appeared first on <a href="https://sonomacountymortgages.com">Sonoma County Mortgages</a>.</p>
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