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USDA Loan Qualifying and the Deferred Student Loan
How Student Loans Impact USDA Loan Qualifying When people are looking at getting an Arizona Home Loan whether it is a USDA Loan or FHA Loan who have existing student loans, they need to be aware of how those student loans will impact their qualifying.  The USDA Loan Program is very popular among recent graduates, and a couple reasons are because not only is there not a down payment requirement but it is the simplest home loan to get.
Because you don’t need to fork out a ton of cash to get into the USDA Loan Program it has gotten VERY popular over the last few years.
Student loans come in two classes: deferred and not deferred.  And one thing to keep in mind when looking at the USDA Loan Program is that it does treat student loans differently than the other loan programs available.  At first glance you would intuitively think that a deferred student loan would not be considered in qualifying for your new home loan.
And for most Arizona Home Loan programs that would be the correct way to look at the deferred student loan.
However the USDA Loan Program is a little different in that it requires ... more

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