<prompt> Human: Hi all, I am planning to buy townhouse condo in Greater Seattle which would cost around 500-600k I currently have 2 personal loan of 12k and 22k outstanding amount, which have EMI of 1000 and 650 respectively. In terms of saving I have around 44k in stocks. Should i sell stocks to bump my credit score Currently 770 by paying off personal loan?  <response>: You need to pay off your loans and save a lot more money. 20 down payment on a 500k house is 100k. You would also need a normal emergency fund to cover emergencies. 