: These often allow for higher DTI ratios (up to 45-50%) and lower down payments, making them popular for first-time buyers.
Deciding between aggressive debt repayment and saving for a home depends on your local market and interest rates. student loans and buying a house
: Some buyers prefer to eliminate student debt entirely first to "unshackle" their monthly cash flow. : These often allow for higher DTI ratios
: Consistently paying student loans on time can actually help build a healthy credit history. student loans and buying a house
💡 : Ask your lender about mortgage credit certificates or local down payment assistance programs specifically for graduates in certain fields.