Student Loans? You Can STILL Buy a Home!

Did you know? 📊 A recent study shows 72% of people with student loans believe their debt will delay homeownership. Maybe you feel the same way and wonder:
❓ Do I need to pay off my student loans before buying a house?
❓ Can I qualify for a mortgage with student loan debt?

Here’s the truth: You may be closer than you think. 💡 According to the National Association of Realtors (NAR), 32% of first-time homebuyers carried student loan debt—and they still bought homes. The median balance? $30,000.

🔥 What really matters is your debt-to-income ratio (DTI)—the percentage of your monthly income that goes toward debt payments. Lenders typically look for a DTI of 43% or lower, though some loan programs allow higher. If your income is steady and your debts (including student loans, car payments, and credit cards) fit within that ratio, you can still qualify for a mortgage.

✅ Talk to a trusted lender
✅ Know your DTI and monthly budget
✅ Create a clear homeownership game plan

Bottom line: 💬
Student loans don’t automatically disqualify you from buying a home. With the right strategy and an understanding of your debt-to-income ratio, you could be much closer to keys in hand than you think. 🔑💼