{"id":8305,"date":"2024-04-08T10:30:00","date_gmt":"2024-04-08T10:30:00","guid":{"rendered":"https:\/\/thezakariagroup.com\/dont-let-your-student-loans-delay-your-homeownership-plans\/"},"modified":"2024-04-08T10:30:00","modified_gmt":"2024-04-08T10:30:00","slug":"dont-let-your-student-loans-delay-your-homeownership-plans","status":"publish","type":"post","link":"https:\/\/thezakariagroup.com\/dont-let-your-student-loans-delay-your-homeownership-plans\/","title":{"rendered":"Don\u2019t Let Your Student Loans Delay Your Homeownership Plans"},"content":{"rendered":"
\"Don\u2019t<\/p>\n

If you have student loans and want to buy a home<\/a>, you might have questions about how your debt affects your plans. Do you have to wait until you\u2019ve 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\u2019s a look at the latest information so you have the answers you need.<\/p>\n

A Bankrate <\/em>article explains<\/a>:<\/p>\n

\u201c<\/em>Roughly 60 percent of U.S. adults who have held student loan debt have put off making important financial decisions due to that debt<\/em><\/strong> . . . For Gen Z and millennial borrowers alone, that number rises to 70 percent.\u201d<\/em><\/p><\/blockquote>\n

This includes one of the biggest financial decisions you\u2019ll ever make, buying a home<\/a>. But you should know, even with student loans, waiting to buy a home<\/a> may not be necessary. While everyone\u2019s situation is unique, your goal may be more within your reach than you realize. Here\u2019s why.\u00a0<\/p>\n

Can You Qualify for a Home Loan if You Have Student Loans?<\/strong><\/h4>\n

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

That means other people in a similar situation were able to qualify for and buy a home<\/a>\u00a0even though they also had student loans. And you may be able to do the same, especially if you have a steady source of income.\u00a0As an article from Bankrate<\/em> says<\/a>:<\/p>\n

\u201c. . .\u00a0you can have student loans and a mortgage at the same time. . . . <\/em>If you have student loans and want a mortgage, there are multiple home loan programs you might qualify for<\/em><\/strong> . . .\u201d<\/em><\/p><\/blockquote>\n

The key takeaway is, for many people, homeownership is achievable even with student loans.\u00a0<\/strong><\/p>\n

You don\u2019t have to figure this out<\/a> 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\u2019s worked for other buyers<\/a>.<\/p>\n

Bottom Line<\/h3>\n

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

Powered by WPeMatico<\/a><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"

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\u2019ve paid off those loans before you can buy your first home? 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