We Understand What You're Going Through

Student loan debt is the second-largest consumer debt category in America after mortgages. Many borrowers believe they must pay off their student loans before buying a home, but this is rarely the best financial strategy. Different mortgage programs treat student loan payments differently for DTI calculations, and strategic planning can dramatically improve your qualifying amount.

Student loan payments consuming too much income in Arkansas

DTI too high due to student debt in Arkansas

Unsure if you should buy now or pay off loans first in Arkansas

43 million Americans have student loan debt.

You do not have to choose between student loans and homeownership.

You're Not Alone in This

Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

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Solutions for Student Loan Mortgage in Arkansas

NMHL offers multiple pathways to homeownership for Arkansas borrowers.

FHA Loans with Favorable Student Loan Treatment

FHA loans use either 1% of the total student loan balance or the actual payment on an income-driven plan, whichever is lower. This often results in a lower DTI calculation than conventional loans, helping more borrowers qualify.

1% of balance or actual payment Income-driven payments accepted Lower DTI calculation

Income-Driven Repayment Strategy

Switching to an income-driven repayment plan before applying for a mortgage can lower your student loan payment to as little as $0 per month, depending on your income. This directly reduces your DTI and increases your qualifying amount.

Lower monthly payment Reduces DTI ratio Increases purchasing power

Strategic Debt Reduction

NMHL loan officers analyze whether paying down student loans or other debts produces the greatest impact on your DTI ratio. Sometimes paying off a small credit card or auto loan frees up more qualifying room than reducing student loan balances.

Maximum DTI impact Strategic payoff plan Personalized analysis

Your Path to Homeownership in Arkansas

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1

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2

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3

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4

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Student Loan Mortgage in Arkansas - FAQs

Can I buy a home in Arkansas with student loans?

Yes. NMHL is licensed in Arkansas and helps borrowers with student loans purchase homes every day. Our Arkansas loan officers understand how different programs treat student debt and can maximize your qualifying amount despite your student loan balance.

Are there student loan assistance programs in Arkansas?

Arkansas may offer student loan assistance programs for certain professions including teachers, nurses, and public service workers. Combined with favorable mortgage program selection, these can make homeownership more accessible. NMHL loan officers in Arkansas can help you leverage all available programs.

Arkansas Mortgage Resources

Get Help with Student Loan Mortgage in Arkansas

Speak with a licensed Arkansas loan officer today. Free consultation, no obligation.

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Student Loan Mortgage in Arkansas? We Can Help.

Solutions

We Understand What You're Going Through

You're Not Alone in This

Solutions for Student Loan Mortgage in Arkansas