How in depth does the mortgage company get with verification?

i applied for a fha mortgage and the mortgage company is not counting my student loans in my dti because they are on forbearance. technically, they are supposed to be on forbearance for a year, but mine will not be in 5 months. they used my forbearance letter that didn't say when i had to start repaying and they never asked me when the forbearance was up.





does the underwriter or someone else actually call the student loan company to verify, or do they just work off the paperwork given to them?How in depth does the mortgage company get with verification?
You will be required to provide documentation that shows the loans are deferred for at least 1 year otherwise the underwriter will include the payments.How in depth does the mortgage company get with verification?
Yes and your Loan Officer is doing you a grave disservice by not disclosing this to the u/w up front. I hope you will still fit the DTI once that is added into your debt. FHA is very concerned right now with the numbers and tend to be extra critical. You may want to ask that it be added in so you can see your DTI and make sure you are still qualified for this loan.
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