Give Me Credit Episode 11

Student loans don’t automatically block homeownership—but they do play a big role in your debt-to-income ratio. In this episode, JS Whaldo and John Mackey break down how VA, FHA, USDA, and Conventional loans treat student debt differently, especially if your loans are deferred or on an income-driven repayment plan. Learn why accurate documentation and asking the right questions of your loan officer can make all the difference. Prioritize timely payments and select the program that best aligns with your financial goals.Worried your student loans will stop you from buying a home? Have you spoken to your loan officer? Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe