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I ask this because I have one that will still be a few months in deferment before I enter the process of trying to buy a home and one that I am paying interest only for the first year and then the amount goes up. I figure the actual processing won't be as simple as one of the general debt/mortgage calculators but what amount will be factored when determing my debt/income?
l likely count what your expected regular payments on them are to be towards DTI. they may only count the interest only part if that payment is not scheduled to go up for awhile (at least 1 year after close). The loan that is in deferment for a few more months will be counted into DTI. They used tobe pretty lenient about not counting student loans, but now they generally count them in almost all cases.