I am still in the saving process for my down payment and weighing my options on if I will be doing an FHA loan or just go about it the “regular” way whatver that means but my loans are deferred until spring of 2018 and wanted to know if deferred loans are apart of the DTI Ratio or not? I just read that FHA lenders have to include 20% of deferred loans but has anyone had any experience with student loans being apart of they’re DTI ration or if they were not??
20% of my loans is around 18K, should I pay that amount off while saving for like a year and than go for the mortgage?? So confused with this deferred loans business