we were told it would go faster if we put an offer on a house. So tomorrow we go house hunting to make an offer (we already have a house we want). Then, if they still turn us down for now, we will have to do some extra work on our credit, I guess--they'll tell us what to do so we CAN get approved. So why do I feel so pessimistic, like we'll never get the loan? Hub is rightly irritated with my gloomy attitude. He is certain that they wouldn't work with us if they didn't plan on working out a loan for us. And me, in all my pessimism, am planning to move to a warm area where a tent would work out. My anxiety disorder is through the roof. Thanks for reading this.