You can get a new auto loan the day after closing your mortgage. Totally safe and fine that way. Since home loan is over 6 months out, you can get one now but it will affect your monthly DTI at mortgage time. Can you get a super cheap car now and sell/trade after mortgage? I'm not sure if lower monthly payments is more weighed than over all outstanding balance on the loan. If so, longer term with lower payments then refinancing after the mortgage closes may be an option.