Page 31 - AreaNewsletters "July 2020" issue

documentation verifying the actual monthly student loan
payment may be acceptable.
• If the student loan payment reported on your credit report is
$0, and you can provide documentation that the payment is $0 from a graduated income-based student loan repayment plan, $0 can be used to calculate your DTI ratio.
• If you are unable to provide documentation that you have an graduated income-based student loan repayment plan, the lender must calculate your DTI ratio using 1% of the outstanding balance as your monthly student loan payment amount.
• When a student loan payment amount is reported on credit, that is the payment amount that must be used for calculating your DTI ratio.
• Whenastudentloanpaymentisindefermentorforbearance, or if there is no indication of deferment/forbearance and no payment is reporting, the monthly student loan payment must be calculated using .5% of the outstanding balance.
Student loan debt doesn’t have to postpone your dreams of homeownership, but it may affect your nancing. We are available for a free consultation any time to help guide you through buying a house with student loan debt and help you nd the best loan options for your circumstances.
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Castle Rock “AreaNewsletters • July 2020
6/6/19 8:18 AM
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