The Mortgage Files

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

VA Loans and the Clear Pest Report Requirement: What Buyers Need to Know

By Scott Sheldon / August 14, 2025

If you’re a homebuyer using a VA loan to finance your property, there’s a unique requirement that can easily trip up your transaction: the VA loan clear pest report. Unlike conventional loans or even FHA loans in some cases, VA loans have strict pest inspection guidelines—and not understanding them can delay or even jeopardize your…

How your credit cards shape your ability to get a mortgage

By Scott Sheldon / February 6, 2022

Maintaining a personal budget and having a good financial plan associated with your income is a good 1st step in preparing yourself to get mortgage loan financing. Whether you are buying a home or refinancing, consumer debts matter. It can make or break your situation. Here are some things you might want to give some…