Federal student loans are in good standing. But, it's my private student loans that are in default. Can I still get a mortgage

Much more info needed, but in general, any debt that is currently in default will most likely result in a decline.. If however, your private student loans have been charged off or sent to collections, then it's possible but unlikely.. It depends on how the credit report is showing the defaulted student loans.. if it states that those are student loans, then for sure you will not get financed unless they are paid or brought current. If they don't specifically say they are student loans, and are presently delinquent 30, 60, 90, 120+ days behind, then again, most likely you wont get financing unless they are brought current or paid.. if it shows that it's been sent to collections or charged off, then it's possible you can get financing, but you would need to meet all other eligibility requirements including minimum credit score requirements.. Also, FHA has guidelines on adding phantom payments associated with any debt that's in collection or charged off.. they must include a "Projected" payment and include that into your debt to income ratios for qualifying purposes.. this is done so that in the event the creditors do come after you for payment, then you have sufficient room in your DTI to make the payment without defaulting on your mortgage. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

I am a lender in the Sacramento area and would be happy to meet with you to discuss and help in anyway that I can.

William did a good job explaining this!