Mortgage Glossary
Deferred Student Loans
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Deferred student loans are education debts not currently in repayment, which lenders still factor into your DTI.
What Deferred Student Loans means
Even when payments are paused, most programs count a percentage of the balance or a calculated payment toward DTI. The treatment varies by loan type.
Florida example
A Florida buyer with deferred student loans sees FHA count 0.5% of the balance as a monthly payment for DTI. Knowing this in advance prevents a surprise to the qualifying numbers.
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