Let me start by saying in soon I mean 6 months to 18 months (Probably closer to a year). Currently have our town home on the market. Realtor expects a sale soon. When it happens we plaN to stay with parents for the above mentioned time to fix credit and save for a down payment. My credit is not the best. Hubby's is better but we both have taken dings in the last two years. I think we can get our credit to meet FHA requirements because our collections amount and utilizations on certain cards are pretty low. without having a mortgage to pay while living with parents i think we can attack those without too much of a problem. My question is, we both have student loans and we share two auto loans, and the student loans are in good standing, so will they account into our monthly debt? They are forbeared and we currently won't have to pay. I would like to be in the home before we have to pay these loans back. I guess I'm asking if student loans affect a mortgage loan if they aren't defaulted or currently being paid (forbeared). I also have a lien that I got when I bought a car from S. Carolina in 2005. I traded in the car like 5 years ago. I will pay the lien if I have to, I just want to know what effect that will have on getting a mortgage loan. I also have a judgement which was paid so I don't owe it. Help please!!!!!