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WebAn FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of … WebOct 2, 2024 · FHA uses the payment listed on the credit report or account statement, but if the loan is deferred or forbearance, the lender will use 0.5% of the outstanding balance. Fannie Mae-backed conventional loan accepts the monthly student loan payment listed on a credit report or account statement. If the loan is in deferment or forbearance, the ... cheryl astbury
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