The Mortgage Files

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

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…

Pro Tips for VA Loans: What Most Lenders Don’t Know

By Scott Sheldon / February 27, 2025

If you’re a military veteran looking to purchase or refinance a home using a VA loan, there are several lesser-known benefits and rules that can make the process easier. Many mortgage lenders are unaware of these details, so it’s essential to educate yourself to maximize the advantages of your VA loan. Here are some key…