Posts Tagged ‘auto’

Advice on Lowering DTI

I'm trying to arrange my finances so I can hopefully apply for a mortgage next year (and a half if need be).  The money I would be putting away for a downpayment is $500 a month (sometimes $750, but the extra $250 I will keep as an emergency fund).  I want to pay off debt, but strategically I'd like to allocate it so it lowers my DTI the fastest.   Here is the info (balance/limit/minimum mo pmt):   Chase: $4067/$7K/$83 Citi: $5659/13.5K/$136 BoA:  $2775/$7K/$49 Personal loan:  $173/mo - scheduled payoff date: 05/15/2013 Auto loan:  $444/mo - scheduled payoff date: 05/30/2015 Student loan: $275/mo - never ending!  Haha kidding, they will all end in 15 years, 2025.   Currently my DTI sits at 55% if I were to get a mortgage that would cost me $1100/mo.  I currently make $46/yr.  As much as I want to pay off off the credit card debt, my initial thought was to use the $500/mo towards the auto loan as that is a big part of my DTI, then I could refinance in a year to lower the monthly payments.   The advice you all give is great and I appreciate your feedback!

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Paying off auto loans before new home purchase.

Hello all, Im looking at applying for a VA loan in the next 30 to 60 day. Currently Im waiting on my cc to update in order to raise my fico scores (scores from this site) just a few more points so I can qualify. My question deals with DTI. Im planning on selling my current house to my neighbor and using the money from that to pay off my 2 auto loans. That will leave me with only having a small balance on 1 or 2 cc, that I may even pay off with the proceeds from the sale. Is there anything special that I will need to show the loan officer when I apply to qualify for a loan in the price range we will be looking in? And will I be able to wait until closing to pay off my auto loans? Im trying to not get stuck where I sale my house then can't close on a new house therefore leaving me homeless but virtually debt free. Thanks to all. Message Edited by allenha1 on 02-07-2010 04:49 PM

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