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Discussion in 'Credit Talk' started by mary, May 10, 2000.
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Mortgage companies only care if you are paying a debt...unless it gets repossessed, or goes to collection, no one cares..
thanks-another question for yo
Thanks for responding so quickly! I have another question. I know your debt to income ratio is very important when applying for a mortgage. My husband and I both have student loans. He has to start paying his beginning next month but mine are deferred for another year or so while I complete my master's degree. So, how will this fit into my monthly debt if we apply before I have to begin paying? Will they just use the amount I will be paying in the future or what? Also, could my husband just apply without me since I do not have a job (I don't work outside the home-we have a baby and I go to school part time). Sorry so long. Any info would be appreciated.
RE: thanks-another question fo
Since at some point you will have to make payments on your student loans, they will be factored into your debt ratio based on what the payment would be if you were paying them now.
RE: thanks-another question fo
Yes your husband may apply without you, You have to sign off somehow though. We are doing the same thing. I'm not sure what the process is yet, however, He's only been preapproved. I guess I'll find out soon enough though.
I disagree with JP
I'm currently applying for a mortgage, my student loans are also deferred. My student were not calculated into my debt ratio, maybe because it'll be more than a year before I have to start repaying or maybe it depends on the lender.
RE: I disagree with JP
It definitely depends on the lender and the amount of your loans. If you were a lender and someone had deferred student loans of lets say $50,000 due in 18 months, would you not include them in the debt ratio? Most likely not, because if you don't your overlooking about $500 a month in debt that will be there during the term of the loan.
I wasn't thinking of such large student loans, mine don't even come close to that amount. Thanks.