Are student loans in deferrment included in the debt to income calculation?

In almost all cases they are (fannie mae or Freddie mac).The best way to minimize the monthly amount used in calculating your total monthly debt to income ratio, is to get something from them that documents what your monthly payment would be if you were to pay it. They are generally happy to provide that (per government student loans at least). Otherwise the percentage used to calculate monthly debt is likely to result in a higher monthly debt.

As of a few months ago, every conforming loan option will have to include projected payments into your DTI.. but the guidelines are not that simple,and they vary depending on the loan product you are applying for, but in general, any "Projected" student loan payment must be a fully amortized payment, or the lender must use 2% of the outstanding balance as a projected payment.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Yes it is