Are my student loans considered in my dti if they aren't in repayment?

To keep them out of your DTI calculation you would have to document that they will be deferred for a minimum of 3 years. If you would like to run some numbers please feel free to give me a call at 970-2323-2976

Sorry for the typo...970-232-2976.

Yes.. you would have to prove that they would be deferred for a minimum of 3 years.. If you'll be out of deferment inside of 3 years, then you would need to provide a letter from the lender showing what your minimum payments would be for this debt once you start paying.. it's those minimum payments that would be added to your ratios.. if your creditor will not provide this documentation, then the lender will use 2.5% of the outstanding balance as a monthly payment.. 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

FHA and VA rules allow them to not be counted if they are deferred (not in forebearance) for 1 year after closing; a conventional loan they have to be deferred for 3 years.

You need a one to three year deferment, as stated by others.

Yes unless you can prove they will be in deferment a minimum of 12 months past the closing date.

Depends on the loan... Most loans require lenders to calculate a payment on student loans regardless of if the loan is in deferment or not. FHA and VA still states that if the loan will be in deferment more than 12 months past your loan closing date, then lenders do not have to use it against you.