What should I do?

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Originally Posted by black roadster

If you want to buy a house, you don't need to accumulate more debt anyways.

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Although that is logically and financially true, it is not when it comes to getting approved for a mortgage. I know quite a few people, my parents just a few weeks ago included, that were specifically TOLD by their mortgage people that the easiest way to bring your credit up (or get credit to begin with) is with on-time payments of a car loan for at least a few months before you even bother mortgage shopping. Of course that's if you have little to no credit: If you have good credit, it won't make a difference. Just know that your credit will go to complete crap for a few months after you close on a house...so keep that in mind if/when you decide to get a loan/account for anything (vehicle, new mattress, TV, etc etc)

Wrecking yards are your friend, even for tires. I just bought a set of practically brand new 17" tires for my '08 for $150.00 Not to mention all the AC parts you can pickup.

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Originally Posted by Rob®

Although that is logically and financially true, it is not when it comes to getting approved for a mortgage. I know quite a few people, my parents just a few weeks ago included, that were specifically TOLD by their mortgage people that the easiest way to bring your credit up (or get credit to begin with) is with on-time payments of a car loan for at least a few months before you even bother mortgage shopping. Of course that's if you have little to no credit: If you have good credit, it won't make a difference. Just know that your credit will go to complete crap for a few months after you close on a house...so keep that in mind if/when you decide to get a loan/account for anything (vehicle, new mattress, TV, etc etc)

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My credit is okay, but like I said I've never been in debt so that could be an issue.

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Originally Posted by black roadster

+1

Car loans are dumb.

Fix them to where they are drivable/livable. Fix the A/C on both/either and fix the little problems and you are still way ahead of having an upside down car note. If you want to buy a house, you don't need to accumulate more debt anyways.

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The Miata is about to head to Rogue to get the AC and PS looked at :D

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Originally Posted by TurboDuane

Wrecking yards are your friend, even for tires. I just bought a set of practically brand new 17" tires for my '08 for $150.00 Not to mention all the AC parts you can pickup.

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I'll probably get new tires for the Miata since I like my Azenis so much... they've lasted surprisingly long considering my driving :lol: As for the van, I'll only get them if absolutely necessary since I need to sell it in the fall (and possibly before, depending on my work future).

Thanks guys, I'm keeping the Miata for now. Now all I need to worry about is getting the van in acceptable condition to sell...

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Originally Posted by MadMonkey

My credit is okay, but like I said I've never been in debt so that could be an issue.

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As long as your credit is there and good, you should be fine. The people I know that were told to get auto loans either had zero credit at all or are recovering from a bankruptcy or other credit-killing situation.

And for what it's worth, I can't recommend Sean Severide at Cornerstone Mortgage enough.