<prompt> Human: In the mean time I have a net interest rate of 5.67 and Im considering whether we should try to pay 100month, Interest is like 26.99 I believe. Due to the fact that I missed payments several times to try and obviously find a job and I really want to have credit cards, my parents warned me about using online mortgage lenders.  <response>: The problem is not with online mortgage lenders. The problem is with your ability to control your spending relative to your income. I cannot advise you to buy a house. 