Zillow Advice: Mortgage - Could I receive a FHA Loan with my Student Loan Debt? http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ Zillow Advice | Zillow Real Estate If you are worried about ... http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ If you are worried about your credit scores there are lenders like myself that are able to give out loans with scores as low as 580. In response to your other question, yes your student loans will be looked at when you apply for a loan. It is hard to say whether or not your loan application will get rejected because it depends on the lender and your financial details.&nbsp;<br/><br/>If you have any other questions or need a loan please contact me through the information on my profile page. I hope this helps and good luck! Mon, 16 Sep 2013 21:31:00 GMT http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ 2013-09-16T21:31:00Z You could call the student ... http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ You could call the student loan that's servicing your loans and ask them to back date the delinquency accounts to show them paid on time since this was a mishap and you're paying now it won't happen again. &nbsp;Good chance they'll do it and update your credit report and you scores could bounce back to approval levels. &nbsp;If you need any assistance please contact me via my profile. Mon, 16 Sep 2013 17:07:00 GMT http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ 2013-09-16T17:07:00Z Credit score aside-any student ... http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ Credit score aside-any student loan needs to be deferred for over 12 months in order for that debt not to be calculated against your ratios. So anything you are paying on now and anything that will require payment in less than a year will be counted as a monthly obligation and thus lowering your purchase power.<br/>You will likely need a 640 credit score and an underwriter willing to overlook recent late payments <br/>Hope that helps?! Mon, 16 Sep 2013 15:45:00 GMT http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ 2013-09-16T15:45:00Z We will need to take into ... http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ We will need to take into account a payment for those loans even if they are in deferment. &nbsp;The credit scores are another mater. &nbsp;If you would like to contact me through my profile we can discuss what you can qualify for and/or what you would need to to in order to get yourself into a better position to buy.&nbsp; Mon, 16 Sep 2013 15:35:00 GMT http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ 2013-09-16T15:35:00Z If you are considering applying ... http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ If you are considering applying for FHA loan, as long as your students loans can be deferred for at least 12 months, they will not be counted against your DTI. Also, your husband's credit scores can be elevated, or worse case, if they are 580 and above it possible to include him on the loan.<br/><br/>Best of Luck! Mon, 16 Sep 2013 15:35:00 GMT http://www.zillow.com/advice-thread/Could-I-receive-a-FHA-Loan-with-my-Student-Loan-Debt/511536/ 2013-09-16T15:35:00Z