The Mortgage Files

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

How to Buy a Home With a Financed Down Payment

By Scott Sheldon / September 10, 2026

A financed down payment program may help qualified buyers purchase with little or no down payment. Learn the payment tradeoffs and who it may fit.

VA Loan Options for Surviving Spouses

By Scott Sheldon / May 8, 2025

Understanding VA Loan Refinance Options for Surviving Spouses Losing a spouse is one of life’s most challenging experiences, especially when that spouse served in the military. Beyond the emotional weight, surviving spouses often face financial uncertainties, including the question of how to keep or refinance their home. Fortunately, the VA home loan benefit doesn’t always…