41%. I saw another post saying "it's whatever, really," and that is just not true. If it's higher than 41%, you're going to need a VERY strong credit profile.
Paying off the existing car payment will help and there might be a way to refi the personal loans together at a much lower rate. That could probably cut those payment obligations in half which would go a long ways.
Wouldn't a refi constitute an app for new credit? If so, that's generally frowned upon in the 6-12 months leading up to a mortgage app.
