Your Co-Signed Debt Is Blocking Your Mortgage

June 30, 2026

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David Ghazaryan

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TL;DR

When applying for a mortgage, co-signed debts can negatively impact your debt-to-income (DTI) ratio and jeopardize your approval. This guide explains how to navigate this common issue.

Lenders automatically include co-signed debt in your DTI, even if someone else makes the payments, which can risk your mortgage qualification.
You may be able to exclude this debt by providing very specific proof that the primary borrower has made the last 12 consecutive payments on time.
The guide details the exact documentation required, highlighting the different rules for conventional and FHA loans, to help you secure a home loan.

Read the full blog article here: https://www.iqratemortgages.com/blog/exclude-co-signed-student-loans-from-your-dti-in-florida

Video Transcript:

Your child's loan is not yours, but it blocks you. Lenders see the debt. I, David Ghazaryan, prove who pays. I need proof of twelve payments from their own account. With this proof, the debt disappears from your mortgage application. This single change helps you qualify for a much bigger loan. The full article is on my website. See the links below.

Read Blog Here: https://www.iqratemortgages.com/blog/exclude-co-signed-student-loans-from-your-dti-in-florida

David Ghazaryan

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