When I went to EBS for my mortgage they told me they could not give it to me until I cleared my car loan. I then went to BofI (who the car loan was with) and asked for a mortgage, they were not concerned about the car loan but were not offering to give me as big a mortgage as EBS. So, I went back to EBS and said that BofI will give me the mortgage and also allow me to keep the car loan. EBS quickly changed their mind and said that they would give me the full mortgage and let me keep the car loan!