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Must deferred obligations be included in the borrower’s liabilities?

Deferred obligations (excluding Student Loans) refer to liabilities that have been incurred but where payment is deferred or has not yet commenced, including accounts in forbearance.

How does a Mortgagee determine the monthly payment on a student loan?

The Mortgagee must include all Student Loans in the Borrower’s liabilities, regardless of the payment type or status of payments. Student Loan refers to liabilities incurred for educational purposes.