So my husband joined the military back in 2015, we stayed with my mom around 2 1/2-3 years. Husband bought a truck that was around $500 a month, my mom moved out so that left us to finding a place to live on our own. This was back in 2018... we had to buy a travel trailer because ultimately we couldn’t afford rent because of the truck payment. Well, we sold the truck last year 2020.

So what i’m trying to get advice on is... we’re trying to buy a house, atleast by next year so we can finally have more room since we have a 3yo.

We owe around 12,500 on our camper that we are living in and it will be paid off in roughly 3 years. We have other smaller loans and credit cards that we’re paying on a month. My husband wants to refinance our camper loan, to get a longer loan term and have lower monthly payments. We currently pay $500 a month for it.

Should we refinance our camper loan and use the extra money to pay off our smaller debt? Or keep the original loan and pay off our camper? It’s such a hard decision