<prompt> Human: Is there a way to get a mortgage as a full-time student? Relevant: I am in a unique position in which I will be gifted a large amount of money towards the down payment, if and only if, I can acquire a mortgage without my parents as cosigners. In speaking with mortgage bankers they have all told me that student loans do not count as income because in reality it is debt, and that my savings cant be taken into account. I only need to be qualified by a lender and Im good to go. I have saved up about a third of the total cost of the house and my parents are willing to help in any way they can other than cosign. Are there any legal debt-to-income ratio workarounds you guys know of? Thanks in advance for any help. It means a lot.  <response>: Not an expert, but I imagine securing a mortgage with no income is not going to happen. 