I would talk with a financial adviser.
I have good credit.. but its limited so I had troubles getting a $14000 car loan (I'm 24 and had to have a parental cosigner :\ ). The finance lady at the dealership said its easier to get a mortgage than a car loan sometimes.
She said banks like to see 3-4 trade lines open. Maybe a couple small loans that are paid off or almost paid off and a credit card thats used but no large outstanding balances. Your car loan is a definite plus.
If you're thinking of buying a house why not talk to someone to see how obtainable it could be for you? Perhaps they'd have some insight as to what you'd need to get to your goal.
Best of luck! Money and borrowing is a headache! lol
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