The product will not allow you to roll any outside debt into the mortgage...with no exceptions. Again, rolling a car payment into a 30 year loan would make little, or no sense. Typically a 30 year mortgage (with interest) will about triple the debt....so a 30K car would cost about 90K over 30 years...and we all know the car is not going to last 30 years.
Words of Wisdom: Do not think of your home as a piggy bank to finance all of the other desires and fancy's of life. That is the primary reason a good number of people are so underwater on their homes after the current market corrections. Yes, some people bought a higher housing prices and have suffered the result. However, I have seen many, many people throughout the past 25 years who did refinance after refinance to pay off credit cards, take vacations and buy cars. Imagine buying a house for 30K 25 years ago and now owing 650K on it! Yes, I have seen that loan....and that consumer blames the bank for the fact they are underwater. Sheer nonsense. Buy your home and pay it off as soon as you can...that is the only financially savvy way to home ownership. Best to you!
You should look into the FHA 203 loan program. It is designed for just this purpose with some constraints. But you absolutely do not want everything rolled into a 30 year mortgage.
Please listen to what Deborah says and believe her:
You can use her for the loan by the way; it would be nice to have someone you can trust to tell you the truth even though it hurts.
You can give her a BEST ANSWER too.
Good luck and may God bless