debt-to-income ratio

Student loan debt mortgage qualification Raleigh NC turns on one question most lenders never ask: which repayment plan is active and is the servicer documentation in hand. On a $90,000 student loan balance showing $0 on the credit report, Fannie Mae conventional may count $0 with documented IBR confirmation, while Freddie Mac and FHA both count $450 regardless of IBR status, and Fannie Mae counts $900 for undocumented deferment — a range that shifts qualifying power by $100,000 or more in Wake County. Kevin Martini (NMLS 143962) and Logan Martini (NMLS 159148) of Martini Mortgage Group model all five program rules — Fannie Mae, Freddie Mac, FHA, USDA, and VA — against each buyer’s documented repayment structure before any offer is written across Raleigh, Cary, Apex, and Fuquay-Varina. The wrong lender applying the wrong formula does not surface the error in a rate quote — it surfaces inside a live contract after the non-refundable Due Diligence fee is already paid to the seller and gone. This is the specific, calculable cost of the wrong lender in North Carolina’s contract environment — and it is the decision Martini Mortgage Group resolves before it becomes a crisis.