Student Loans

Student Loans Texas – Buying a House with Student Loans (Even High Student Loan Debt)

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Student Loans Texas – Most Popular?

Buying a House with Student Loans – Getting a Mortgage with Student Loans
***UPDATE: You may also be able to qualify for FHA/USDA if you are on the” GRADUATED REPAYMENT PLAN or an EXTENDED REPAYMENT PLAN- If you can show the lender your payments have a definite end date – when they will be paid off. (Then you can switch back to IBR, if necessary) Also USDA changed to 1/2% of your loan balance.

If You Don’t Know Where to Start – Start Here! My Free Download: https://bit.ly/3k8xFF0

🏠Do you want to be walked through the process of buying your first home? Click here to purchase: https://confidently-buy-your-first-home.thinkific.com/courses/how-to-confidently-buy-your-first-home

Ready to Buy Your First House? Watch these videos:
⭐8 Steps to Buy a House – https://youtu.be/fgUkwjA12V4
⭐New Construction – https://youtu.be/QoCctKxuJxA
⭐FHA Explained – https://youtu.be/JQanmdwQwYg
⭐Student Loans – https://youtu.be/k81B3ucqUwE
⭐How to get a good credit score –https://youtu.be/qwm570RVeM8
⭐Can you afford a house: DTI Ratio – https://youtu.be/S3glBuf2fRw
⭐What happens at closing –https://youtu.be/heCUdtcGMls
⭐NACA Home Buying Program –https://youtu.be/HLLluwaAfrQ
⭐Should I Rent or Buy? – https://youtu.be/NPgOyRZKfmU
⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg

⭐Join My First Time Buyers Facebook Group⭐
https://www.facebook.com/groups/HillsFirstTimeBuyers/members/

If you live in or are moving to Georgia or have a Referral please contact me:
👉Contact me to schedule your buyer or seller consultation
https://calendly.com/shaheedahhillrealestate/newconsult
👉Email me: TheHillTeamAtl@gmail.com

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20 Comments

  1. Jade Meia
    July 25, 2021 at 9:53 am

    You’re amazing and you explain things so well!

  2. Arline Nivens
    July 25, 2021 at 9:53 am

    The only debt I have is consolidated student loans after medical school. I’m on income contingent plan but Bank of America turned me down even with good credit. I do have a large student loan.

  3. Sonya Hathaway
    July 25, 2021 at 9:53 am

    I own a home and I want to do some improvements. I owe 92000 home is worth 23400. My student loan debt is 96000 income is 86000 I was denied because my DTI ratio was too high even though my student loan payment is 218 car 448, mtg 780, CC 700/mo by my calculations my DTI is 25%

  4. Jennifer Harris
    July 25, 2021 at 9:53 am

    If total debt of credit cards, car loan and student loans total about $90k but credit is above 680 if wanting to buy a home, is it best to talk with a lender or loan officer first to see where u are and wat options u have? If doing do, how many points will credit drop if they run your credit? Student loan debt is such a headache and as a single mom of two I’m wondering if this can be accomplished 😩😩

  5. Vameker Banks
    July 25, 2021 at 9:53 am

    HU stand up!

  6. cassandra reed
    July 25, 2021 at 9:53 am

    Thank you

  7. Star Storey
    July 25, 2021 at 9:53 am

    Is there a such thing as a student loan threshold that lenders should be using instead of the 1% rule? Thanks.

  8. Adia Hunt
    July 25, 2021 at 9:53 am

    I am currently a teacher as well this is my fourth year and I am applying for the student loan forgiveness program. My question is I have high student loan debt but my husband student loan is lesser and he makes more than I do. Should we apply with both of our income or just one of us?

  9. Naturalista_SA
    July 25, 2021 at 9:53 am

    Will your credit score increase if you pay off student loan debt? If so, how soon does it take effect and will it increase your chances of being approved for a conventional loan (with good credit prior to paying off debt)?

  10. Sheri Rich
    July 25, 2021 at 9:53 am

    Hi,

    I just came across your channel and instantly subscribed. I have a question. I recently got a student loan this month. My debt would be around 10k for now. Should I go ahead and try to buy a house now or wait? My credit score is good. I am not sure what to do. Thanks!

  11. saraA16161
    July 25, 2021 at 9:53 am

    Is it better to pay off student loans or slowly steadily pay it off ? Will the timing that you pay off student loans drastically affect the rate of your preapproval or credit score ?

  12. Y. R.
    July 25, 2021 at 9:53 am

    Thank you. Can you still use NACA and FHA with high student loans on public service forgiveness?

  13. Teacher Danetta
    July 25, 2021 at 9:53 am

    Just found your channel. Great info. I was denied 2x due to student loan debt. I decided to start paying on my student loans. Moved in with my sister and working to boost my credit to 700. Im now 661 FICO.

  14. Alicia Blanding
    July 25, 2021 at 9:53 am

    Thank YOU…. THANK YOU!!

  15. Alicia Blanding
    July 25, 2021 at 9:53 am

    Thank you… Thank… YOU… THANK YOU LORD 🙏🏾🙏🏾

  16. Sonya
    July 25, 2021 at 9:53 am

    So discouraging especially when I’m still in school and already have debt. Lawdamercy You explain things so wellz

  17. DominiqueMarie
    July 25, 2021 at 9:53 am

    This was so helpful!! I’m really considering buying a house next year but I will have student loan debt but under 200000 (33,000) with possible payments of 280 a month however I’m in high need of a car and really considering buying one used around (17,000) and put a down payment on the car and have car payments of 200 would this been a good move if I’m also considering the housing loan or would the debt be to high?

  18. marie roberson
    July 25, 2021 at 9:53 am

    I'm mad 😠 about my 60k student debt and I'm in the medical field. Ma'am 200k in students loans and your ass ain't a Neuro surgeon…nawl Fam what did you do. What university did you attend Trump University because that's the only one I know that was ripping ppl off like that. Now I'm not feeling do down about my 60k…well I am but not 100-200k down. At this point I'm like come on Biden & come through for us.

  19. ronaldmcdonald1977
    July 25, 2021 at 9:53 am

    Ms Shaheedah.

    These mortgage lenders dont seem to be aware of the student loan IBR options for approval outside of what they already know. They keep telling me they are not allowed to use less than the 1% of the overall student debt owed. One told me they have to use the higher of the options if on IBR, and the 1% will always be the highest.

    The most recent lender was Bank of America.

  20. Boss Lady
    July 25, 2021 at 9:53 am

    Professional and helpful