So my car loan is keeping me from getting a mortgage.  My debt to income ratio is too high. I tried getting a small loan for a mobile home and was denied. I dont think I will ever get my own place. Might be stuck in an apartment the rest of my life. 

Jennifer Thurs 

Original Post

Happy to help if there is a particular question here.  How long is the car loan from being paid off?  How much are the car payments in relation to your income?  There are probably a lot of different avenues that can be taken, try not to let the circumstances define your possible courses of action!  There is always a way!

I bought the car last year. I traded in the car I had which only had 2 yrs to pay off, on a better newer model. So I have a bigger payment and its 6 yrs. 

The problem is i make a big chunk of my income in tips and its not on my taxes so the banks wont consider it with my income.  

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