Paying off an auto loan or any other loan on time or ahead of time generally has a good effect on your credit rating. Whether or not this is a good time to apply for a mortgage has to do with several factors. 1) Your credit score must be at least a 620 and many lenders want to see 640 or higher. 2) your income to debt ratio - how much you owe vs how much you make. You can certainly provide informaiton to a lender and they will help you determine if you are ready to take on a mortgage, Your best bet is to deal with local banks in your market and go direct to the motgage department (not thru a branch office).
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