More info needed, but in general, if you are in default on student loans, then you will be denied.. regardless if the credit report shows a payment or not.. When your file is run through the automated underwriting system (AUS), if it sees you are currently delinquent on ANY obligation, the results are almost always a denial.. Understand that the biggest hit to your credit scores will be obligations that are currently 30/60/90 days delinquent.. so if you have student loans currently delinquent, then you probably have very low scores.. and for Fannie/Freddie, you have to have minimum acceptable credit scores to qualify.. 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
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