<prompt> Human: Basically just as the title states.. Will having a car loan affect my chances of getting a mortgage? Ive never missed any payments or anything and have a good credit score but am curious as to how much my loan will affect the chances my gf and I have of getting approved on a 210,000 mortgage. We have 10 to put down atm and gross about 105K a year combined.  <response>: It will affect it as part of your back-end debt ratio. This one counts all debts the to-be mortgage, auto loans, credit cards, student loans, etc to be sure all of your debt repayments are affordable on your income. 