[PokerAce]

I have decent credit. I actually got my credit report today and I'm above 680 and considered "fair". This is mainly because most of my credit is less than 3 years old. I pay all my bills on time, so there's no problem there.

My problem here is basically a matter of time. I can probably have both my car paid off and purchase a house with a $25k down payment before the end of this year if I work hard enough.

I'm just wondering if paying off my car first will make a big enough difference in the mortgage to make it worth the hassle of extending my lease and waiting longer.

I'm leaning towards waiting and paying off the car later. I currently live in a big city all by myself with my family and friends far away and I'm really looking forward to moving.