How long after purchasing a home can one finance a car?
LAURA asked:
My husband and I desperately need a new vehicle, but we are in the middle of purchasing our first home. I need to know how long we have to wait before being able to finance a car. Thank you for your help!
My husband and I desperately need a new vehicle, but we are in the middle of purchasing our first home. I need to know how long we have to wait before being able to finance a car. Thank you for your help!
May 1st, 2009 at 3:42 pm
wait until after you’re done with the house purchase - think more about a used car - you’ll have enough added costs with the house
May 4th, 2009 at 6:03 am
It is, of course, advisable to finish the transaction with the home first, and lenders love to see one year of payments made on time.
However, depending upon your income and credit rating, there may be no need to wait for any length of time after the closing of the house.
Credit ratings may be obtained free once a year from all three of the credit agencies—Equifax, TransUnion and Experian. You can request all three of them online at:
The person handling your mortgage loan probably already has them and you may request a copy. They also may have your credit score, which is a number indicating how good or bad of a risk you are for a loan. Ask your mortgage loan officer if she has that also. Otherwise, you may purchase your score from each of the agencies at:
Equifax -
Experian -
TransUnion -
Personally, I pay $9.49 a month through Costco to have continual access to my credit records online at any time, and also monitor for identity theft, as well as other services. It is well worth it for the peace of mind.
A banker will use a standardized formula for determining if you can qualify for a car loan. It used to be that all of your loan payments could not exceed 33% of your income. That percentage may have changed. Ask your banker what the formula is currently, and he can help you can figure out if an additional loan is within your salary.
Remember, banks are in business to make money on loans, so if your credit ratings and credit score are good, your banker should be able to tell you exactly how much you would qualify for with a car loan. Pre-qualifying also helps you to be able to shop within your means.
Additionally, credit unions are usually easier to get a loan from rather than from a bank.
Good Luck and Blessings!
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