🎓 Can You Get a Mortgage with High Student Loan Debt? Yes—Here’s How.

For many professionals—teachers, nurses, engineers, and business grads—student loan debt is a fact of life. You’ve worked hard to earn your degree, and now you’re dreaming of buying your first home. But with student loans still on your credit report, you may be asking:

“Can I actually qualify for a mortgage with high student loan debt?”

The short answer is: Yes, you can. And I’m here to help you do it.

I’m Craig Williams, a mortgage broker serving Travelers Rest, Greenville, and all of Upstate South Carolina, and I’ve helped dozens of clients just like you—people with significant student loan balances—get approved and move into their dream homes.

💡 Why Student Loan Debt Doesn’t Have to Stop You from Buying a Home

The mortgage industry has changed in recent years. Lenders no longer take a one-size-fits-all approach to debt, and there are more flexible options than ever before. The key is understanding how student loan debt impacts your:

• ✅ Debt-to-Income Ratio (DTI)
  

• ✅ Credit Score
  

• ✅ Loan Program Eligibility

As your mortgage broker, I analyze your entire financial picture and connect you with loan programs designed to work with your situation—not against it.

🏠 Mortgage Options for Borrowers with High Student Loan Debt

Here are just a few ways we can work around student loan debt:

1. FHA Loans

• Accept higher DTI ratios than conventional loans

• Favorable for buyers with strong rental history and steady income

• Flexible underwriting for student debt under Income-Driven Repayment (IDR) plans

2. Fannie Mae & Freddie Mac Conventional Loans

• May allow student loan payments to be calculated based on actual monthly payment, not a standard 1% of loan balance

• Strong credit scores and consistent employment history can offset debt concerns

3. First-Time Homebuyer Programs

• South Carolina offers down payment assistance and reduced interest rate programs that are ideal for buyers with student debt

4. Manual Underwriting

• In select cases, I can work with lenders who perform manual underwriting to approve responsible borrowers who don’t fit into traditional loan approval boxes

👨‍💼 Why Work with Me?

I’m not a bank. I’m an independent mortgage broker—which means I shop multiple lenders on your behalf, looking for the best loan program that fits your exact financial profile.

Here’s what sets me apart:

✅ Expertise in Student Loan Scenarios

✅ Access to Multiple Loan Programs

✅ Fast Pre-Approvals with Clear Guidance

✅ One-on-One Service, Start to Finish

Whether you’re buying your first home in Travelers Rest, relocating to Greenville, or exploring your options anywhere in the Upstate, I’ll walk with you every step of the way.

📞 Let’s Talk About Your Options

Don’t assume you’re stuck renting just because of student loan debt. Let’s have a conversation. I’ll review your finances, explain your loan options, and help you build a realistic roadmap to homeownership—even with high student loans.

Craig Williams

Mortgage Broker – Pathway Mortgage

Serving Travelers Rest, Greenville, and all of Upstate South Carolina

🎓 Helping student loan borrowers become homeowners