I plan on refinancing my house in about 23 years i need to buy a car now and ?

Earle
I'm concerned about the impact to my credit score (currently 734-744) and the impact on the refi. Probably need to finance about $ 18-20k. I have no credit card debt - only the mortgage. 1) Does the length of the loan have an impact? I can qualify for those 0% interest loans - Chevy's is up to 72 months.2) Will it mess up the refi to have a car loan plus the mortgage?Anything else I should worry about?

Annelle
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Dwana
Having a car loan won't mess up a mortgage. A home loan will want PITI less than 28% of gross no matter what other debts you have, as long as the totl indebedness is reasonable. Go to a mortgage broker and ask what they look for. They'll help you because they want you to come back later and be qualified.Car loans these days are in the 7% range, even for Chevy's. If they quote you 0%, it means that the dealer is prepaying the interest in a lump sum, called "buying down" the rate. Where does the money come from? From you. He's building it into the price of the car and charging you more than he would charge a cash customer. What I do is get my credit from a bank ahead of time and then take a couple thousand cash discount from the dealer.