Go Back To Search Results Question Can I add my student loans onto a mortgage? Me and my wife are going to be buying a house soon ( first time buyers) I was wondering if I could include my student loans right into my mortgage payment. About 20, 000 dollars worht of student loans. By nickybrowneyes Posted on 07/08/07 Total Answers 7 Answers- no. but after a while you can get an equity line of credit and use that. Answer by : curmudgeon On Date 2007-07-08 09:30:47 No - A mortgage company will not lend you more money than the purchase price of the house. In the current market, even with good credit, they will probably only lend you 95% of the purchase price. Some companies are still doing 100%, but not many. After you've owned the home for a few years and built some equity, you would then be able to refinance your mortgage and possibly consolidate (include) the student loans. Answer by : pg412 On Date 2007-07-08 09:34:42 Why would you want to? The current mortgage rate is almost to 7% while most school loans can be locked in at a lower rate. As long as your income is low enough to allow you to deduct the student loan interest, I can't see why you would want to even if you could. I just graduated from law school and I'm closing on my house in two weeks. My mortgage is at a much higher rate than my school loans. Answer by : stefa1mg On Date 2007-07-08 09:50:32 No, student loans and mortgage are two different things. Answer by : Becca On Date 2007-07-09 06:56:14   Go Back To Search Results