Andria Townsend, Arizona mortgage loan originator, NMLS #2154631

Arizona Home Loan Guides from Andria Townsend

Plain-English answers on FHA, VA, first-time buyer programs and refinancing, from an Arizona loan officer.

Arizona Community Property: Does Your Spouse's Debt Count on an FHA or VA Loan?

Arizona Community Property: Does Your Spouse's Debt Count on an FHA or VA Loan?by: Andria TownsendPublished on: 19/10/2026

In Arizona, a spouse's debts can count on your FHA or VA loan even if they're not on it. What HUD and VA require, what can be excluded, and what to do.

Arizona Community Property: Does Your Spouse's Debt Count on an FHA or VA Loan?