will having defaulted on past student loan mess up my ability to get home loan?

Defaulting on your student loan 5 years ago in of itself won't keep you from being approved for a home loan. Your credit score may have been negatively impacted because of it however. As long as you have reestablished good credit and your scores are above 620, youshould be fine as far as credit is concerned. Feel free to contact me for further consultation. Jerry Potter206.631.2212

You should be fine. Its all going to depend on how your credit report looks now, and the other qualifying factors. It may require a letter of explanation, but that should be easy.

That one factor won't negate your ability to qualify for a home. Your FICO might be lower for that, but FICO primarily affects the interest rate, only when the FICO score is very low does it affect your ability to qualify. Other factors like down payment amount, savings amount and income will play a much greater factor. For a prequalification feel free to contact me, I'll let you know what the max purchase price and loan amount you qualify for is before you go out and look for homes.

You should be ok, speak to a pro and give them your enetire scenario and they will give you your options.

That should not be a problem, if your current credit score and debt ratio are fine.

If you are getting an FHA loan you need to make sure your clean on CAIVRS. If not you will have either provide proof of payment plan or paid off......Your loan officer can run this for you. For the actual HUD guideline check out this link........http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/sys/caivrs