Student loan debt is one of the most common obstacles home buyers face when trying to qualify for a mortgage — but it doesn’t have to prevent you from buying (or refinancing) a home. Understanding how lenders calculate student loan payments, and how the rules differ by loan program, can help you plan strategically and avoid surprises during the approval process.

This guide covers current guidelines for conventional, FHA, VA, and USDA loans, along with practical strategies for borrowers with student loan debt. [Read more…]