Student Loan Deferment Causing Issues With Mortgage

[Anonymous]

Me and my fiancé are applying for mortgage together. I already have a an pre approval on my own but we decided it would be better if we do it together.
We hit a big problem yesterday when our loan officer told us due to her student loans they could not approve the loan because her dti. I’m saying to myself wth are they talking about? Her loan payment is only $353 a month. This crushed my fiancé she started crying. I told her relax I will figure this out.
The loan officer told me that her loans are reporting deferred and when that happens the bank uses 2 percent of the total balance of the loan as your monthly payment. That would be $4000.
The issue is they are not in deferment and her payments are $353 a month. The tradelines are reporting as deferred on her credit report. My question is what would my fiancé have to do? Does she have to call the loan servicer she consolidated with? Will they be able to change the the status on the reports within a reasonable time?

[NC_Mtg_Loaner]

With proof of payment from your fiance', your lender should be able to obtain a credit supplement updating the credit report accurately which seems like it ought to save your deal.

[Anonymous]

Ok good. She will print that and we will get that faxed over to mortgage officer. Thank You