Can I Buy a House If I Still Have Student Loans?

Short answer? Yes.
Slightly longer answer? It depends on your full financial picture and that’s where I come in.

A lot of my clients have decent savings, strong income, and… student loans. They think this automatically disqualifies them from buying. It doesn’t.

What lenders really look at is your debt-to-income ratio (DTI). And there are loan programs that allow for higher DTIs, especially if your student loans are in repayment or income-based deferment.

✅ You can qualify with student loan debt
✅ You may not need to pay them off first
✅ A strong income and credit score go a long way
✅ We can structure your offer around current incentives, like Mattamy’s design credit + 6% closing costs, so you bring less to the table upfront

Let’s build a plan around where you are right now. Not where you think you have to be.

I’ve helped buyers with student loans buy homes and start building wealth. DM me if you want to explore what’s possible for you.