<prompt> Human: Hi rpersonalfinance,Im at a crossroads that Id like a little advice on.I moved to Texas a few months ago and my lease is up in 6 months.I have a 15000 down payment saved up and Im ready to buy a house soonish. But I have 8000 in student loan debt 6.8 and owe 5000 on my car 2.5.Im looking to buy a house in the 120k range.Im in a situation right now where I have 15k-20k extra cash a year and that has been going straight into savings. I saved that 15k in a little less than a year.In 2018 I will be putting 15 of my income into a Roth IRA and a 401k as well. So that box is checked.For a 150k house the mortgage, PMI, property tax and insurance will end up being about the same as my rent currently is monthly. Thats above what I want to spend, so likely Ill be looking at a cheaper monthly obligation. In my area you can buy a 120k-140k house thats move in ready. I dont plan on buying a fixer upper. So, hopefully less unexpected repairs.Im already well above a 720 credit score now, so I dont need any time to increase my credit score for a better interest rate.If I do end up waiting Ill probably pay off my student loans immediately and put the rest of my savings into a CD for 1.5 years since itll grow more than my car interest will.What do you all think I should do???Assistant: What do you all think I should do?Its yall now, please. I think your plan to wait is probably the better option. Youre right that your car debt is super cheap, so just continue to make regular payments on that.Wipe out your student loan debt, and then make a lot of extra contributions toward a down payment. Make sure youre saving 20 down payment to avoid PMI. If you need to wait 3 years to do that, fine, but itll be worth it in the long run. Human: Lol, I havent started saying yall yet, but I feel like its going to be an addition to my vocabulary soon.Yeah, the more I think about waiting, the more I like the idea. Ive always hated the idea of PMI. I know why it exists, but Id hate to be paying for it.Well, thanks for the advice! Waiting until I have a 20 down seems like its a feasible option.Assistant: Dont know what city youre in, but here in Dallas the housing market is fairly stable. Unless youre buying in one of the newer communities way up north, I think youre safe to just wait it out. Obviously welcome and glad youre here. Human: Im actually in the DFW area as well!I hear north of 820 is booming right now. I cant really live that far away from work though.Im mostly looking in the Arlington area or south Fort Worth. Any tips about these areas?  <response>: You should be fine in that market waiting. Also, since you are new to the area, renting for a while will acclimate you to the market and you will be able to make a much more informed decision on where you want to live. 