Someone that owes ZERO will have more trouble getting a loan that someone who OWES MONEY!
All the best!
Hope this helps!
Many times paying off outstanding debts could make getting a loan more difficult. Issues such as cash reserves remaining after closing could become an issue.
Your best bet would be to consult a trusted mortgage adviser and have them give you advice based on your individual situation. Let me know if you need a referral to someone I trust that can help you.