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If a high debt-to-income ratio (DTI) from student loans is preventing you from owning a new home or refinancing, there is now a solution.

Guaranteed Rate lets qualified medical residents exclude student loans that are in a period of deferment or forbearance when figuring their DTI. To qualify, students need to be enrolled in or have recently completed a medical residency program or clinic fellowship as an MD, DDS, DMD, OD, DPM or RP. 

Eligibility factors include: 

  • Purchase or rate/term refinancing
  • Fixed rate or 7/1, 10/1 ARM products
  • Single-unit, primary residence only
  • Minimum FICO score requirements
  • Manufactured homes not permitted

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and visit for more information. 

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All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.