I realize there is a quite long thread running right now about loans, but it mainly sems to be involved in the technicalities of closing costs and points. I would like some advice on how to get one. I think that my situation is similar enough to others' that this is useful for everyone. I am moving to a state where Bank of American does not offer a doctor loan (New York). After realizing they were not able to offer that, they were most unhelpful. I applied on Lendingtree.com, but found that most lenders do not take my student loans seriously. (They just keep telling me that I will need to document that my loans are deferred for at least a year and I keep telling that is not going to happen and then they are not so helpful.) My specifics: I am buying in an area where renting is no cheaper than buying (upstate). I am looking for 85K (95%). I will have $700/mo in student loan payment (a complicated mixture of private plus interest on staffords). This makes my debt service too high (about 45% of my gross income). I will not be able to document what my loan payments till fall (I won't consolidate until then because I will still be in Grace). Also, my private loans are at a high interest rate and when they go out of Grace, I will have my parents buy them with their home equity line, which I will make payments on. Anyway, none of this is documented or documentable. My question is: are there similar people out there who have gotten loans? Who did you do it through and how? Are there places that will ignore student debt without further documentation? Are there no documentation loans (my credit is very good) that require only 5% down and have a reasonable interest rate that are available in New York? Thanks for your help with this!