student loans deferred for 2 years, will those be a factor in my DTI?

Yes! the new rules state we have to either get info from your lenders as to what the payments might or will be at that time, or we need to use 5% of the loan value for the estimated payments.

Yes.. Depending on which loan program you go with, guidelines require we use either the actual non differed payment, or 2% to 5% (varies per loan product) of the outstanding balance as a monthly payment for qualifying/DTI calculations.. 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