Long story short, I just wrecked my car and it is total loss. My insurance will not pay for it because I only had liability. So, I need a car, I was hoping to apply for a USDA loan in March. The only debt that I have on my credit is a car loan (my sister's car), which she has been paying ontime every month and only owe 4,000 on it and a credit car that I owe 600 on it (25 min monthly payment but I always pay more) That car loan will be paid off in Feb of this upcoming year. Is getting a car loan going to affect me getting that mortgage loan in March?