If my student loans are deferred, is the payment zero?

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
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Often not. Many overlays impute a payment. I will not quote the factor as a website rule.

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Student loans on the file. The payment on the report is what counts.

Student loans do not automatically kill a purchase. They hit DTI the way the credit report and the program treat the payment — deferred, IDR, or fully amortizing. I use the overlay, not a forum rule of thumb.

Let's sort this Typical documents (213) 880-8107

FHA, conventional, and VA treat reported payments differently.
Physician / professional programs exist when income is the story.
Do not pay off the wrong loan the week before you apply without talking first.

Physician loan Affordability calculator Let's sort this

If my student loans are deferred, is the payment zero?: Often not. Many overlays impute a payment. I will not quote the factor as a website rule.

Not an approval. Not a rate. Overlay at lock. NMLS #1858674.