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If you have Student Loans, getting a mortgage is now easier

More than half of first time homebuyers that apply for an FHA mortgage each year have some level of student loan debt.

Because of how this debt is factored against the borrowers debt-to-income ratio, it can make it harder for first time home buyers to qualify for the financing they need to make a home purchase.

Last week, the Federal Housing Administration (FHA) updated lending guidelines as they pertain to student loan debt.

Brad Sea with Kentuckiana Mortgage Group joined us to talk about what the updated FHA guidelines mean for those who have student loan debt. And he offers a tip that may help those who are trying to win a house in a multiple offer situation whether they have student loans or not.

Here is the video of our conversation:

And here is a link to the official Federal Housing Administration press release:

To get more information or to see if you qualify for a mortgage, you can connect with Brad Sea at

And for all of your real estate needs, message the 812 Living Group at


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