<prompt> Human: I am a first-time homebuyer. I have some debt to pay down before applying for my mortgage. I have two personal loans, one for 22k and one for 11k. I have about 20k in credit card debt. I have 34,000 to pay down debt with. My income to debt ratio is too high and I must pay debt down before getting a mortgage.Now my question. Should I pay down all the personal loans or should I pay down all the credit card debt and one personal loan?Which would look better for the purposes of buying a house?EDIT UPDATE!!This was the answer I got from the rRealEstate subreddit by uDownvotes-all-memesInstallment loans are generally viewed more positively than carrying consumer debt. Think of it like this: making on time payments to an installment loan means you are using debt, making money for the bank, and following the rules. Carrying consumer, revolving debt with a credit card is also making money for the bank, but it shows that you may not be able to afford to pay it off because who in their right mind would pay interest if they can afford not to?. And because they dont know what your payment may or may not be next month, youre kind of a wild card on their books.TL;DR: Pay off the credit card for sure, and then see if your DTI is low enough. If its not, pay off the smaller personal loan, if it is low enough, keep the extra cash on hand or put it all towards whatever loan has the higher interest rate.  <response>: A house is the least of your concerns right now with 53,000 in likely high interest debt. 