if i defaulted on my student loans 1 year ago, can i still get a mortgage?

Since a student loan is a gov't debt it must be paid or on a payment plan for (I believe) 6 months.

Yes.. eventually.. all conforming lending requires you have no delinquent government debt.. if you defaulted on student loans, then it will show on your credit report, and the lender will require that you pay the student loans off or bring the payments current.. Current lending guidelines will require you make 6 on time payments before you can be eligible for an FHA loan.. 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

It has to be paid off, or as the others have said at least a 6 mos. good payment history.

you need to work on getting back in good graces with the student loans if you want a mortgage. Start on it today so you can move forward with purchasing

Lenders base decisions on past history. If you show you can't handle student loans, the make an assumption you may not handle a loan with a higher payment. If you get back on track with them, then sure. Ignoring them won't make it go away.