The return of federal student loan payments marks a new chapter for many Americans—and while it may feel like one more financial responsibility, it doesn’t have to stand in the way of homeownership. With the right strategy and guidance, you can still pursue your dream of owning a home or refinancing your current mortgage, even with student loans back on your plate.

A Shift in Financial Planning

After more than three years of forbearance, student loan payments are resuming for millions of borrowers. For some, this means adjusting monthly budgets to account for a new (or returning) expense. But it also presents an opportunity to revisit your broader financial goals—including how you can still move forward in the housing market with smart, informed decisions.

Protecting and Strengthening Your Credit

Student loan repayment doesn’t have to hurt your credit—in fact, consistent on-time payments can actually boost it. By staying on top of your student loan obligations, you can strengthen one of the key factors mortgage lenders look at: your credit history. It’s also a great time to evaluate your overall debt picture and create a game plan that supports both your loan repayment and your path to homeownership.

You Can Still Buy a Home—Even With Student Loans

Yes, you absolutely can still qualify for a mortgage if you have student loan debt. Lenders consider a variety of factors when evaluating applications, and student loans are just one piece of the puzzle. With proper preparation and a knowledgeable lending partner by your side, many borrowers are finding creative, sustainable ways to step into homeownership.

How Fidelis Mortgage Corporation Can Help

At Fidelis Mortgage Corporation, we know that financial goals don’t have to be put on pause just because student loan payments have resumed. Our loan officers are here to help you look at the full picture—not just your student loan balance. We’ll work with you one-on-one to find smart, flexible mortgage solutions that align with your lifestyle and goals.

Whether you’re a first-time homebuyer or looking to refinance, we’re committed to helping you move forward with confidence. Reach out to a Fidelis loan officer today and let’s make homeownership a reality—together.