Pay Off Car Before Buying House NC? The Real DTI Answer
Pay off car before buying house NC is not a simple debt question, it is a timing and liquidity question. Kevin Martini and Logan Martini of Martini Mortgage Group explain why a 2026 Fannie Mae rule can exclude an auto loan from DTI once ten or fewer payments remain, why draining reserves to pay it off early can weaken a file more than it helps, and how Raleigh and Wake County buyers should actually weigh the decision. The right answer depends on the loan balance, the reserves left behind, and the payments remaining, not a blanket rule.