Charlene Said:

Deferred student loans and debt-to-income ratio?

We Answered:

Your question is way too difficult. I need to know the state you are in the lender you were talking too etc.

All lenders have different guidelines and they change per state. Your question is impossible to answer. It will be different for every lender for every state.

If I would have to throw out a dart, 3 years. They wont count it in 95% of the cases. But in 10% of the time lenders wont count it in one year. I had a list when I did these and still do. I underwrite my own files and I say okay this? Cant go to these 50 national banks, but it can go to these 10 (same rate same price).

You need a really good broker to check all the options in your state. Good Luck I wish you well.

If your broker isnt approved with at least 50 lenders keep checking.

Ricardo Said:

First time homebuyer with deferred student loans?

We Answered:

It is a mystery to me where anyone with 40K year salary can buy a house. Where do you live, in Idaho?