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Understanding Student Loan Mortgage
Student loan debt affects 43 million Americans with a total balance exceeding $1.7 trillion. Despite this, millions of borrowers with student loans successfully purchase homes every year. The key is understanding how different mortgage programs calculate student loan payments for DTI purposes and choosing the program that works best for your situation.
Millions of homeowners carry student loan debt
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“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
If your student loans are in deferment, most lenders will still count a payment for DTI purposes, typically 1% of the total balance. FHA may accept the income-driven repayment amount even if it shows $0, but conventional lenders may use a calculated amount. Deferment does not eliminate the loans from your DTI calculation.
In most cases, buying sooner is financially advantageous. Home appreciation of 3-5% per year on a $300,000 home means $9,000-$15,000 in annual equity growth. If you wait years to pay off student loans, you miss that equity growth while paying rent. An NMHL loan officer can run a detailed comparison for your specific situation.
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