Student Loan

[SSH0126]

When you are applying for a home loan..I know that student loans are looked at..Since I will be out of school and in repayment are they looking at the monthly amount I am paying or the amount that I owe in full ? 

Owing 66k in student loans will that mean that we would qualify for less of a home? Income is around 105k before taxes 

If I were to be in school at the time of the application would the student loans even be looked at as far as debt to income ratio is concerned or otherwise??? 

Thanks...

[DallasLoanGuy]

we consider the minimum monnthly payement.

if you are school(aand repayments won't start for 12+ months),  we don't have to count it against you on FHA loans. we do on conventional

[SSH0126]

DallasLoanGuy i just pm'ed you 

So as far as debt to income ratio if my min payment is 50.00 and my loan amount is 66k 

only the 50.00 would be considered as debt? 

Also it would be va home loan

[DallasLoanGuy]

the debt could be a million dollars.... we arent concerned.

we just use the minimum payment to make sure you can afford the mortgage payment