how can i make sure my student debt won't affect mortgage qualification??

If you're doing a conventional loan, it will always affect you. However, if you do a FHA loan, if they're deferred for 13 months past your closing date, they won't affect you.

All debts are factored into your qualification for a mortgage. The only exception I can think of is on an FHA loan, if your payments are deferred for a year or more, the underwriter does not have to count the payments when calculating your debt to income ratio.

The only loans where they will not affect your qualification are FHA and VA where they must be deferred for 12 months (other lenders may have more stringent requirements) after the day you close on a mortgage. There are a few lenders that offer "doctor" loans which have a similar exception - but in general the payment will be counted as part of your debt.

On FHA and VA loans deferred loans over 13 months past your closing date can be excluded from the debt to income ratio. If your loans are of a shorter duration,and FHA loan, you maybe able to qualify with a co borrower ( they can be non occupying ) Inbox me for more info at pete.bass@everbank.com