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Discussion in 'Credit Talk' started by mandy, Apr 20, 2001.
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Any installment loans that are not going to be paid off within the next 10 months after obtianing a mortgage, will be counted in your back ratios.
Student loans while indeferment will NOT count towards your ratios as long as get a lender from your services stating that the loans are defered and when the first payment will be due. I had to do this when I got my mortgage because I was half time in graduate school, so all my student loans were in deferment.
Different mortage lenders have different requirements for how far away that date of first payment needs to be before they won't count those loans. I think 2 years is the cuttoff for many (but not all) mortgage lenders.
I think the assumption is that by time they come out of deferment, you will have paid other debt and/or have a higher income (as is often the case after a degree is completed)