<prompt> Human: There is housing available in my area which is fairly inexpensive. Along with that, there are many grants and loans which assist in down payments, closing costs, and the like. Ive known people to put 4k down and have a mortgage of under 800. This is essentially what I look to accomplish.My credit is good. 730. My only major debt is a car loan taken out earlier this year. I have a clean rental history, always pay bills on time, etc. My firsr concern is my jobs. I rarely hold a job for over a year. Is this inconsistency going to hurt me in the process of getting a loan?My second concern is my dti ratio. It is my understanding that car loans, like student loans, are not taken into consideration when attempting to negotiate a mortgage. I may be wrong, but Im hoping not. Third concern, I do have small debts on two credit cards. Should i pay them outright now, or save the money for a larger down payment? I need to stop renting. I need to build equity and have a home. I look forward to your advice, thank you!  <response>: Third concern, I do have small debts on two credit cards. Should i pay them outright now, or save the money for a larger down payment? Yes you should pay them off. Never pay interest on a credit card. You should also save for a 20 down payment moving and closing costs, etc. 