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I'm going through the same thing in the state of Texas. But because her loans are in deferment they will not be counted. But if shes has other debt it will indeed be counted in the DTI. And the bad thing about it is that her income will not be used if you go into it alone.
Well I just ran the wife's Experian report...her VantageScore was 865 and her student loans say Deferred, Payments begin May 2010. Is that good enough for FHA, or would I need to round up some more documentation.
