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hunt206

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Wanting to build a house this yr but need a need car. Which should we do first?
We currently do not have a car payment but do have a mortgag

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Without much info to go on...

It's hard to say exactly what would work best for you,

I would generally recomend that if your planning a large purchase, such as building a new house, That you might buy a newer used car. This will help keep the loan on the smaller side. You may even be able to buy with cash.  You want to keep your credit usage low but you also want diversity in your credit file.

Building a house takes a lot of cash and credit.  I've been through it and ontop of the Construction loan we also put nearly 30K on credit cards for the "incidentals" that were missed in the budget and the things we added as we went along. I put all this on 3 -  0% cards that I opened prior to the Construction loan being financed by appling for all of them on the same day.  Then once all the spending was done and having paid about half of it off I took a personal loan for 15K and paid off the cards completelty.  

Then after the home is built,  Once your settled into the hew house, paid off the credit cards and have a few mortgage payments out of the way. trade in the used and go after something new.

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