HomeFAQCan I get a mortgage with student loan debt?
Affordability & Income

Can I get a mortgage with student loan debt?

Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker

Yes, student loans don't disqualify you. Lenders count a monthly payment in your DTI — either your actual payment or, for deferred loans, a percentage of the balance depending on the loan program.

FHA and conventional handle student loan payment calculations differently, so the right program can lower the payment counted against you. We'll run both and pick the one that maximizes your approval.

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