If you're not willing to spend some cash to bring the LTV value back down, there's nothing we can tell you to make it magically better.
Which is going to save you more money? Putting extra money towards the car, or saving towards the house? Seems to me that getting that car paid off at 21% is going to save you a lot of money over the life of the loan.
Putting toward the car would save me more money, but it is not an option. I have to be in a house by July 1st for personal reasons that cannot budge.
I have decided to just continue on the way things are for now, until I have my home downpayment secured, then I will pay down the loan to under 100% and refinance.
|EX08 659||EQ08 660||TU08 695||Starting: mid 300's||Goal: 700|