As of September 2015, Student loans, even deferred student loans, will count against when applying for a mortgage. Help for nurses

I believe you are correct. Even deferred student loans are now calculated in the debt to income ratio. One thought would be to have them consolidated to minimize the monthly payment.

Deferred loans now only can be omitted with a VA loan, no others I'm aware of other than possibly some internal loan options with a very few scattered lenders.

Students loans payments, using a VA loan can be omitted if a Minimum of 12 months for the start of the note DATE of the loan are deferred...

Yes, you are correct. I hope this helps,

what I have learned in working with so many borrowers who have government student loans is that often times they can reduce their monthly payment requirements to very affordable monthly payments and quite often consolidate those into one low monthly payment. That way they have far less effect on total debt to income ratios towards qualifying for the mortgage loan amount needed.