{"id":597,"date":"2015-05-23T08:34:35","date_gmt":"2015-05-23T08:34:35","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/01\/30\/mortgage-loan-approvals-with-deferred-student-loan-payments\/"},"modified":"2020-07-13T22:35:04","modified_gmt":"2020-07-13T22:35:04","slug":"deferred-student-loans-payments","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/deferred-student-loans-payments\/","title":{"rendered":"Mortgage loan approvals with deferred student loan payments"},"content":{"rendered":"<p>Student loans play a big role in people&#8217;s finances nowadays.\u00a0\u00a0It is certainly true with mortgage loan approvals as well. CNN Money reported in an article that the average student loan debt for the class of 2012 is $29,400! Read the article <span style=\"text-decoration: underline;\"><a href=\"http:\/\/money.cnn.com\/2013\/12\/04\/pf\/college\/student-loan-debt\/\">here<\/a><\/span>.\u00a0 Student loan payments are\u00a0typically included in calculating a borrower&#8217;s debt to income ratio.\u00a0 What many borrowers may not know is that even though deferred student loans\u00a0have no current payment, the payments often must still be counted in the debt ratio. So each loan type treats deferred student loans differently.<\/p>\n<h2>Deferred Student Loans VA Loans<\/h2>\n<p>Guess what? \u00a0<a href=\"http:\/\/teammovemortgage.com\/va-loan\/\"><span style=\"color: #476657;\">VA loans<\/span><\/a> are the only mortgage which recognizes the zero\u00a0required payment under certain circumstances.\u00a0 VA guidelines state the following:<\/p>\n<p><em><strong><span style=\"color: #476657;\">Student loan payments which are deferred greater than 12 months after the mortgage closing date may be disregarded!<\/span><\/strong><\/em><\/p>\n<p>In order to exclude the student loan payments, proof of the deferment period is required.\u00a0 Whether the student debt is for the borrower or co-signed for family, this exclusion of payments will help tremendously.\u00a0 Learn student loan payment options at <a href=\"https:\/\/www.navient.com\/\"><span style=\"color: #476657;\">Navient<\/span><\/a> or <a href=\"https:\/\/www.salliemae.com\/\"><span style=\"color: #476657;\">Sallie Mae<\/span><\/a>.<\/p>\n<h2>Deferred Student Loans FHA &amp; USDA Loans<\/h2>\n<p>So if you&#8217;re not eligible for a VA home loan, then\u00a0deferred student loan payments will not be excluded.\u00a0 Generally you should expect 1% of the outstanding balance to be used as a payment in a mortgage debt ratio.<\/p>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a>\u00a0used to exclude deferred student loans.\u00a0 But effective 9\/14\/2015, FHA no longer allowed this exclusion.<\/strong><\/p>\n<h4>Sample debt ratio calculation if student loan payments are counted:<\/h4>\n<p>Mortgage payment sample: 1000<\/p>\n<figure id=\"attachment_965\" aria-describedby=\"caption-attachment-965\" style=\"width: 273px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-965 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2014\/01\/student-loans-warning-sign-273x300.jpg\" alt=\"deferred student loans requirements for VA and FHA home loans\" width=\"273\" height=\"300\" \/><figcaption id=\"caption-attachment-965\" class=\"wp-caption-text\">Student loan deferred payments requirements for VA and FHA home loans<\/figcaption><\/figure>\n<p>Car Loan 400<\/p>\n<p>Credit cards 100<\/p>\n<p>Student loans 400<\/p>\n<p>Total debt payments 1900<\/p>\n<p>Sample monthly income 3500<\/p>\n<p>Debt ratio 54.3%.\u00a0 May be too high for approval<\/p>\n<h4>Sample debt ratio calculation if student loan payments are deferred over a year (<a href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">VA<\/span><\/a> loan):<\/h4>\n<p>Mortgage payment sample: 1000<\/p>\n<p>Car Loan 400<\/p>\n<p>Credit cards 100<\/p>\n<p>Student loans 400 deferred over a year so not counted<\/p>\n<p>Total debt payments 1500 (excludes $400 deferred payments)<\/p>\n<p>Sample monthly income 3500<\/p>\n<p>Debt ratio 42.9% Often will get approved depending on overall strength of file<\/p>\n<p>[av_button_big label=&#8217;Let us help you qualify to buy a home now&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nContact our team of experienced loan officers<br \/>\n[\/av_button_big]<\/p>\n<p><strong><span style=\"color: #476657;\">Follow our writer, <\/span><a href=\"http:\/\/activerain.com\/profile\/rdsmith\">Russell Smith<\/a><span style=\"color: #476657;\">, on <\/span><a href=\"http:\/\/activerain.com\/\">ActiveRain<\/a><span style=\"color: #476657;\">.\u00a0 ActiveRain is a site\u00a0that real estate professionals, buyers, and sellers may use to gain helpful knowledge.<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Student loans play a big role in people&#8217;s finances nowadays.\u00a0\u00a0It is certainly true with mortgage loan approvals as well. CNN Money reported in an article that the average student loan debt for the class of 2012 is $29,400! Read the article here.\u00a0 Student loan payments are\u00a0typically included in calculating a borrower&#8217;s debt to income ratio.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":965,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,88,17,40,48],"tags":[22,93,306,307,25,26,27,28,29,30,31,32,9,10,13,308,309,47,103,49],"class_list":["post-597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-general-info","category-products","category-tips","category-va-loans","tag-credit-reports","tag-debt-ratio","tag-deferred-student-loan-payments","tag-deferred-student-loans-fha","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-requirements","tag-fha-loans","tag-fha-purchase","tag-fha-rates","tag-first-time-buyers","tag-homebuyers","tag-mortgage-faqs","tag-naivent-deferred-student-loan-payments","tag-student-loans","tag-va-home-loans","tag-va-refinance","tag-va-requirements"],"acf":[],"yoast_head":"<!-- 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