“Student Loans + Mortgage Approval: What Lenders REALLY Look At”

Описание: Still carrying student loans and wondering if homeownership is off the table? Good news—you can buy a house, even with big student debt. In this video, I break down exactly how lenders calculate student loan payments and how that impacts your mortgage approval.

Here’s what you’ll learn in under 3 minutes:
✅ How FHA, Conventional, USDA, and VA loans treat student loan debt differently
✅ Why your actual monthly payment (not just your balance) matters most
✅ How borrowers with $80K+ in student loans still qualified for a mortgage
✅ Action steps you can take today to improve your chances

📍 Video Timeline (Chapters)

00:00 – Can you buy a home with student loans?
00:25 – What lenders really look at (Debt-to-Income explained)
00:55 – FHA loans and how they calculate student debt
01:20 – Conventional loans (Fannie Mae & Freddie Mac rules)
01:45 – USDA loans and their approach
02:05 – VA loans: the most forgiving program
02:30 – Real-world examples: buyers with $80K–$100K in student loans
02:45 – Action steps: credit report, servicer docs, and working with a lender

👉 Don’t let student loans hold you back. With the right program and a guide who knows the rules, homeownership is absolutely possible.

#HomeBuyingTips #StudentLoans #MortgageApproval #FirstTimeHomeBuyer #MortgageAdvice #FHA #VAloans #USDAloans #ConventionalLoan #DebtToIncome #MortgagePlanner #TonyG

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