Hi everyone, Just recently graduated, matched into anesthesiology, about to start in a month. Was considering buying a home (yes I know its a depressed market), and have some credit card debt. Was considering paying the credit card debt off with a residency relocation loan so that I could maximize my chances of getting approved for a mortgage. FICO score around 760, no other debts other than Federal Stafford loans. Question is this. The relocation loan offers a 42 month grace period during which interest accrues but no payments are due. Would this loan count against me in the "back end debt ratio" lenders use to determine how much to give you. My understanding is that they only consider debts which require a minimum monthly payment (ie. credit cards, cars loans, personal loans). Since the residency relocation loan has a 42 month grace period during which no payments are due, I figured this loan would not count against me in the ratio. Any help would be greatly appreciated.