Listed on the credit report for qualifying purposes.Freddie Mac used to allow the actual student loan payment.Freddie Mac Student Loan Guidelines Might Get Tougher Of course, with a wider availability of zero down home loans, 1% down mortgages, and 3% down mortgages available today, down payment is becoming less of an issue. Whatever the case, these student loans have proven to be yet another roadblock to homeownership, with down payment probably still the number one hurdle. It’s one of the more common dilemmas these days – you graduated college and you’re ready to start a family (or at least buy a home for your dog), but student loan debt is holding you back.įurther complicating this is the fact that student loans are paid off in all types of different ways, with some loans deferred and others containing repayment terms that are income-driven.
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