Features
Witness to a mass murder
By DAVID and MILTON AMMEL Special to The Jewish Post & News Attacks on Jews have seen a sharp upsurge in recent years…indeed, many sources believe the epidemic of violence against Jews is the worst since Hitler. (In the latest perversion, some are even trying to blame the Jews for the Covid 19 pandemic!) The fact that 6 million Jews (or more) died in Hitler’s holocaust is beyond question; there are two questions that have faced the world ever since World War Two: 1. Did Allied leaders fighting Hitler know about the death camps long before their existence was known to the world? and 2. If the allies did know about it, then why wasn’t something done to at least limit Hitler’s atrocities?
We provide some answers in this article that have been overlooked by many…answers that some powers to be may not like. But truth is truth, and it’s past time to see what was really going on in the early days of World War II.
There has been a widespread belief among most historians that President Roosevelt, Winston Churchill and others had no idea of the scale of mass slaughter until the very end of the war when the death camps were finally liberated. But is this true? For the purposes of this article, we will limit our discussion to what Roosevelt surely knew.
By all accounts, President Roosevelt only had one meeting with Jewish leaders about the ongoing Holocaust, and this took place in December 1942. American Jewish leaders managed to arrange a meeting with President Franklin D. Roosevelt about the already tragic situation in Europe. A review of the meeting demonstrates a shocking lack of any great concern about the plight of the Jews, even after he acknowledged he knew what was transpiring. A report of the meeting is contained in the “Jewish Virtual Library” and we will quote extensively from this account that shows the President already knew about the death camps already in operation.
After the State Department confirmed reports that Hitler was planning to murder all the Jews in territories under German control, several American Jewish leaders including Rabbi Stephen Wise managed to arrange an audience with President Roosevelt. At this 29-minute meeting, the only one FDR had with Jewish leaders about the Holocaust, the President was presented with a document outlining the Nazi plan to annihilate European Jews. Adolph Held, the president of the American Jewish Labor Committee, wrote this report of the meeting, which indicates the president was acquainted with details of the atrocities being committed by the Nazis:
“The committee consisted of Rabbi Stephen S. Wise, of the Jewish Congress; Mr. Monsky, of Bnai Brith; Rabbi Rosenberg, of the Agudath, and Adolph Held, of the Jewish Labor Committee.
“The meeting with the President was arranged for Tuesday, December 8, 1942, at 12 o’clock. We were originally notified that the President would give us 15 minutes, but the conference lasted 29 minutes. The purpose of the conference was to present a prepared memorandum on the German atrocities in Poland consisting of an appeal to the President for immediate action against the German extermination of Jews, and also a 12 page memorandum citing the facts that have been gathered on this subject.”
After a few brief introductory remarks, the meeting got down to business.
Rabbi Wise then read the declaration by the committee.
“Rabbi Wise did not read the details but simply said: “Mr. President, we also beg to submit details and proofs of the horrible facts. We appeal to you, as head of our government, to do all in your power to bring this to the attention of the world and to do all in your power to make an effort to stop it.”
“The President replied: “The government of the United States is very well acquainted with most of the facts you are now bringing to our attention. Unfortunately we have received confirmation from many sources. Representatives of the United States government in Switzerland and other neutral countries have given us proof that confirm the horrors discussed by you. We cannot treat these matters in normal ways. We are dealing with an insane man- Hitler, and the group that surrounds him represent an example of a national psychopathic case. We cannot act toward them by normal means. That is why the problem is very difficult. At the same time it is not in the best interest of the Allied cause to make it appear that the entire German people are murderers or are in agreement with what Hitler is doing. There must be in Germany elements, now thoroughly subdued, but who at the proper time will, I am sure, rise, and protest against the atrocities, against the whole Hitler system. It is too early to make pronouncements such as President Wilson made, may they even be very useful. As to your proposal, I shall certainly be glad to issue another statement, such as you request.”
So, saving Jewish lives is “very difficult” because Hitler is insane?
There followed a discussion of possible options to help the Jews, and then FDR made these remarks.
“The President then plunged into a discussion of other matters. “We had a Jewish problem in North Africa” — he said. “As you know, we issued orders to free all the Jews from concentration camps, and we have also advised our representatives in North Africa to abolish all the special laws against the Jews and to restore the Jews to their rights. On this occasion I would like to mention that it has been called to our attention that prior to the war, Jews and Frenchmen enjoyed greater rights than Moslems in some of the North African states. There are 17 million Moslems in North Africa, and there is no reason why anyone should enjoy greater rights than they. It is not our purpose to fight for greater rights for anyone at the expense of another group. We are for the freedom for all and equal rights for all. We consider the attack on the Jews in Germany, in Poland, as an attack upon our ideas of freedom and justice, and that is why we oppose it so vehemently.” “Now you are interested in the Darlan matter. I can only illustrate this by a proverb, I recently heard from a Yugoslav priest—”When a river you reach and the devil you meet, with the devil do not quarrel until the bridge you cross.”
These Jewish leaders were beseeching Roosevelt to stop the genocidal mass-murders of Jews going on in Europe!! They were not asking him for “greater rights….at the expense of another group!
“Apparently, at the end of this quotation the President must have pushed some secret button, and his adjutant appeared in the room. His eyes and broad shoulders showed determination. We rose from our seats, and, as we stood up, the President said: “Gentlemen, you can prepare the statement. I am sure that you will put the words into it that express my thoughts. I leave it entirely to you. You may quote from my statement to the Mass -Meeting in Madison Square Garden some months ago, but please quote it exactly. We shall do all in our power to be of service to your people in this tragic moment.”
“The President then shook hands with each of us, and we filed out of the room.”
Contained in this narrative already are suspicions that FDR may have harbored prejudices against Jews. At best FDR appeared to be indifferent about the Holocaust, which he admitted he already was aware of. At worst it would be like a witness to a murder who does nothing to stop the crime.
Another troubling glimpse of Roosevelt’s view of Jews is an article published in the May, 2018 issue of the Jerusalem Post. The article was entitled “FDR wanted Jews spread thin and kept out of the U.S., documents reveal.”
These documents from the FDR Library reveal something called the “M Project” which was a study commissioned by Roosevelt to study the migration of millions of peoples displaced by the War, most of them Jews.
“Describing the M Project to UK Prime Minister Winston Churchill in 1943, Roosevelt said the study is focused on “the problem of working out the best way to settle the Jewish question,” adding that the solution “essentially is to spread the Jews thin all over the world,” rather than allow them amass in large numbers in one specific place. The conversation was recorded in the diary of Vice President Henry Wallace, who was present at the meeting.”
This all points to a shocking realization that Roosevelt’s view of Jews was that they were a race of troublemakers, to be scattered all over the planet to minimize their chances of gaining any meaningful power.
Another claim that many historians use in excusing the allies in their refusal to help the Jews in the death camps is the claim that it would divert considerable resources from the air campaign, and so would not be worthwhile.
An article in “The National Interest” dated October 8, 2017 asks the question: “Could the Allies Have Stopped the Killing at Auschwitz Sooner?” What follows is a discussion of the supposed dilemma military planners faced, which included their claim that the death camps were out of range of the bombers. For the purposes of this article, we take notice of these facts.
“In considering the feasibility of bombing Auschwitz, one needs to know if the Western governments knew about the world’s largest killing center. The answer is a definitive yes. As historian Tami Davis Biddle has discovered, the first report about Auschwitz was made as early as January 1941—only six months after it had opened and before the gas chambers were installed. A report from the Polish underground was sent to the Polish government in exile in London, where it was forwarded on to Sir Charles Portal, the chief of the British Royal Air Force. The report said Auschwitz was one of the Nazis’ “worst organized (sic) and most inhuman concentration camps.”
“The American public was first introduced to the horrors of Auschwitz on November 25, 1942, when the New York Times published an article on page 10 that stated, “Trainloads of adults and children [are] taken to great crematoriums at Oswiencim [Auschwitz], near Cracow.” In March 1943, the Directorate of Civilian Resistance in Poland reported that 3,000 people a day were being burned in a new crematorium at Auschwitz.”
Roosevelt knew everything that was going on in this German genocide of the Jews, including every detail of it.
It is a brutal fact that an unending stream of reliable reports from various sources in various parts of Europe were provided to Allied forces.
“It was also discovered after the war that by the time Auschwitz had been liberated the Allies had photographed the camp at least 30 times during the course of the war. The photos, taken by the U.S. Army Air Forces, were stored at the Mediterranean Allied Photo Reconnaissance Wing in Italy, which was commanded by President Franklin D. Roosevelt’s son, Colonel Elliott Roosevelt. Some photos even showed inmates being marched to the gas chambers.”
What about the claim that Auschwitz (and other death camps) was beyond the range of bombers?
“By May 1944, the USAAF had begun attacking the Third Reich’s synthetic oil plants located in Germany, Poland, and Romania. The goal was to bring Hitler’s war machine to a halt. On August 8, 1944, a raid numbering 55 bombers from the U.S. Eighth Air Force flew from airfields in the Soviet Union and dropped more than 100 tons of bombs on an oil refinery at Trzebinia, which was approximately 20 miles northeast of Auschwitz.” (emphasis ours.)
One more question that many have asked: considering that Jews and other fated people were brought in on railroad cars….wouldn’t bombing the railroad lines have hindered the death camps? The argument to that question is pretty much the same as others: bombing the death camps would’ve done no good because it would’ve killed inmates, they were out of reach, would’ve required too much diversion of air power, etc etc.
Strangely enough, even the Pope has gotten in on the last controversy. An article from the “Independent” from June 22 2015 carries the title “Pope Francis: Why didn’t allies bomb railway routes taking prisoners to Auschwitz?”
‘’The great powers had photographs of the railway routes that the trains took to the concentration camps, like Auschwitz, to kill the Jews, and also the Christians, and also the Roma, also the homosexuals,” Pope Francis said.
“Tell me, why didn’t they bomb” those railroad routes?”
In a 2004 interview concerning the bombing missions he flew as a young bomber pilot by Auschwitz, Senator and 1972 Presidential candidate George McGovern said, “FDR was a great man and he was my political hero. But…he made….the decision not to go after Auschwitz…God forgive us….there was a pretty good chance we could have blasted those rail lines off the face of the earth (and) interrupted the flow of people to those death chambers, and we had a pretty good chance of knocking out those gas ovens.” (December 2004 interview with Israel Television and the David S. Wyman Institute for Holocaust Studies.)
Indeed, many experts now say that with a bomb load of 8000 pounds, only six of our bombers would have obliterated the rail line, the death chambers, the gas ovens, and the SS barracks.
The same could have been done to the other five death camps.
As for the real possibility that some inmates would be killed….think about this. Their fate was already sealed. So in the long run, it obviously would’ve saved many inmate lives overall.
We now turn to the question: we have established that FDR and others knew all about the death camps very early in the war….so when did Roosevelt begin to refuse helping the Jews?
It started even before World War II!
The steamship M.S. St. Louis, having crossed the Atlantic Ocean with over 900 German-Jewish passengers desperate to escape Nazi Germany, is steaming off the coast of Miami, Florida for about two weeks in June 1939. The passengers have formed a committee and are begging the U.S President himself for sanctuary in the U.S. Roosevelt refuses.
U.S. Immigration authorities then send the ship back to Europe. This rejection is a death sentence to many on the ship at the Nazis’ hands.
Throughout the following war, Roosevelt rejected all requests made by Jewish leaders to bomb the gas chambers or the rail line at Auschwitz.
When it comes to the unspeakable blood on his hands’ guilty refusal to save 2,000,000 or more men, women and children’s lives, Jewish and others, Franklin Delano Roosevelt has no excuse.
His actions are the utter opposite of a “great man.”
The ending of this tragedy only came when World War II ended in Allied victory. But many millions of innocent human beings never lived to see that victory and their salvation….in large part due to the tragic indifference of a U.S. President.
Features
Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership
By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing. Nursing is everyone’s concern, not just nurses. The general public has a stake in the matter,” she observes.
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership. I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses. A recurring thread throughout the book – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements. In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career.
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing. One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse. This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage. (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home. In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames – the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital. She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit. She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse. Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction – is literally an A to Z overview of everything there is to know about nursing – with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact. It can be a front row seat at the theatre of life. Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press.
Features
Michael Mitchell: His Labour of Love in Law
By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.
Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.
For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.
But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.
One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.
If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.
Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.
With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.
Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.
In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.
Features
Building Credit in College for Future Real Estate Deals
Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.
Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.
The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.
Credit Foundations: Where To Start
Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.
For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.
The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.
One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.
Researching Investment Options During Studies
Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.
However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.
Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.
How Student Loans Affect Your Future Mortgage
This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.
If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.
Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.
Practical Steps For Building Credit In College
Keep Utilization Low
Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.
Monitor Your Score Regularly
Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.
Build Your Credit Mix Over Time
Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.
Here’s a practical credit-building checklist for college students:
- Open one student or secured credit card and use it monthly
- Pay the full balance before the due date every month
- Keep utilization below 30% at all times
- Become an authorized user on a parent’s old card if possible
- Check your credit report annually at AnnualCreditReport.com
- Make all student loan payments on time once they enter repayment
- Don’t close old accounts – account age matters
Understand What Mortgage Pre-Approval Requires
When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.
Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.
The Long Game
Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.
The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.
