The Mortgage Files

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

A military veteran couple of Asian descent smiles while reviewing mortgage paperwork at their kitchen table, using a laptop and calculator.

How Spousal Debt Affects Your VA Loan in a Community Property State

By Scott Sheldon / June 3, 2025

VA Loans and Spousal Debt: What Veterans in Community Property States Need to Know When you’re a military veteran, few things are as valuable in the homebuying process as your VA loan benefit. It’s one of the most powerful mortgage options available—offering zero down payment, no mortgage insurance, and competitive interest rates. But there’s a…

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