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  <div class="mb-3"><label for="name-buyers">Your Name (required)</label><input type="text" id="name-buyers" name="name" autocomplete="name"><!----></div>
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Real Estate withBRANDON & NICK GUMMOW
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Brandon & Nick GummowRealtor



DON’T LET YOUR STUDENT LOANS DELAY YOUR HOMEOWNERSHIP PLANS

Monday April 8th, 2024 For Buyers, First-Time Buyers, Buying Tips


If you have student loans and want to buy a home, you might have questions about
how your debt affects your plans. Do you have to wait until you’ve paid off
those loans before you can buy your first home? Or is it possible you could
still qualify for a home loan even with that debt? Here’s a look at the latest
information so you have the answers you need.

A Bankrate article explains:

> “Roughly 60 percent of U.S. adults who have held student loan debt have put
> off making important financial decisions due to that debt . . . For Gen Z and
> millennial borrowers alone, that number rises to 70 percent.”

This includes one of the biggest financial decisions you’ll ever make, buying a
home. But you should know, even with student loans, waiting to buy a home may
not be necessary. While everyone’s situation is unique, your goal may be more
within your reach than you realize. Here’s why. 

CAN YOU QUALIFY FOR A HOME LOAN IF YOU HAVE STUDENT LOANS?

According to an annual report from the National Association of Realtors (NAR),
38% of first-time buyers had student loan debt and the typical amount was
$30,000.

That means other people in a similar situation were able to qualify for and buy
a home even though they also had student loans. And you may be able to do the
same, especially if you have a steady source of income. As an article from
Bankrate says:

> “. . . you can have student loans and a mortgage at the same time. . . . If
> you have student loans and want a mortgage, there are multiple home loan
> programs you might qualify for . . .”

The key takeaway is, for many people, homeownership is achievable even with
student loans. 

You don’t have to figure this out on your own. The best way to make a decision
about your goals and next steps is to talk to the professionals. A trusted
lender can walk you through your options based on your situation, and share
what’s worked for other buyers.




BOTTOM LINE



Lots of other people with student loan debt are able to buy their own homes.
Talk to a lender to go over your options and see how close you are to reaching
your goal.



Top 5 Reasons To Hire an Agent When Buying a Home [INFOGRAPHIC] The Top 5
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CATEGORIES

Select Category Affordability Agent Value For Buyers Buying Tips Do Not Autopost
Downsize Economy Equity Featured First-Time Buyers For Sale by Owner Forecasts
Foreclosures Home Prices Infographics Internal Inventory Luxury / Vacation
Market Education Member Webinar Member Exclusive Webinar Mortgage Rates Move-Up
New Construction Outdated proactive-member-webinar Rent vs. Buy For Sellers
Selling Tips Senior Market Time-sensitive
The information contained, and the opinions expressed, in this article are not
intended to be construed as investment advice. Brandon & Nick Gummow and Keeping
Current Matters, Inc. do not guarantee or warrant the accuracy or completeness
of the information or opinions contained herein. Nothing herein should be
construed as investment advice. You should always conduct your own research and
due diligence and obtain professional advice before making any investment
decision. Brandon & Nick Gummow and Keeping Current Matters, Inc. will not be
liable for any loss or damage caused by your reliance on the information or
opinions contained herein.
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