<prompt> Human: Ive posted most of the details to rrelationships here: first, and it was suggested that I post here.Some background: My fiancee and I each make about 45K per year, however in addition to his yearly income, Fiancee receives a bonus of approximately 15K every December. This amount can fluctuate or disappear, technically. We are looking to get married in November 2016 and purchase a home in the 160K-180K range in December 2016, as our apartment lease is up November 30th. My parents are contributing pretty heavily to the wedding expenses, leaving our projected costs at about 5K.Fiancee and I had earmarked his 2015 15K bonus for a downpayment on the house, and we have an additional 7K to add to it. Neither of us has any debt, and we own two cars his is 8 years old, mine is 10 that are paid off.The issue I presented in the link above is that Fiancee told his parents that he would giveloan his car to his mother when her car lease is up in October 2016, a month before the wedding and house purchase. We expect her to return the car, however at this point there is no specific time frame in which she needs to return it. This means he would need to purchase another car for himself, and I know that this wont be good for our mortage rates. What he wants to do is push back the house purchase 1 year into December 2017, use the 2015 bonus to pay a huge chunk of the car, and use the 2016 bonus for the downpayment on the house.My secondary concern is that I will then need to purchase a newer car by 2017, which means we will have two new-ish auto loans on our credit report when we apply for the mortage.There was discussion in the previous thread that perhaps we arent as ready to purchase a home as we thought for a variety of reasons youre welcomed to read about in the link, so at this point I am confused. How bad would two new-ish auto loans hurt our interest rates? Would it help if I replaced my car in 2016 instead of 2017 if we did decide to wait on the house?  <response>: we own two cars his is 8 years old, mine is 10 that are paid off.Do those cars still run? If so, keep driving them and get the house first. Getting a car first is a bad idea because cars are horrible investments, homes on the other hand are generally better investments. If one needs to be replaced in Oct 2016 buy a beater.If youre hell bent on buying new cars its probably not going to hurt your interest rates, what it can hurt is your income to debt ratio where the bank ends up saying you dont have enough money each month to cover mortgage payments. At that point they may deny the loan entirely so your cars cost you a home and youre stuck renting... Dont buy the cars and remember the mortgage lenders dont care about the bonus. They care about base salary as thats what stays the same. 