How do I get a mortgage if I am out of student loan deferments and I need to have it deferred to qualify?

Go back to school.Consolidate them together.Pay off debt.Get a co-signer for the mortgage.Get a second job and have 6 months work history, (not part time, otherwise need two year history)

You don't... without going back to school or reducing your debt. Debt-to-income ratio is a very important factor in getting a home loan. If you have too much debt, it is likely that you will default under the weight of all your debt.

You might try to consolidate the student loans, but there is no way to remove a monthly obligation from your debt to income ratio when determining eligibility for a mortgage.. especially federal debt such as student loans.. it's also highly unlikely you would be disqualified just because of the student loans.. you might not qualify for a home in the price range your looking at, but you certainly wouldn't be disqualified.. try looking at a home in the price range that's acceptable for your income with the student loans..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

Add a co-borrower or take another class to defer the student loan an additional 12+ months.