So my wife and I have started looking into the potential of buying our own home, a prospect we wernt holding our breath on due to less the amazing credit on both ends. We spoke with our bank yesterday and they mention the need to review credit first and then they will tell us if we can move forward. At this point we pretty much write the whole experience off, but today we get a call back stating that we would need to come sit down and follow up but that she comfortable in saying we could get a mortgage, though it may need more of a down payment. This isnt a huge issue because her mom would like to help us, but cant sign on the mortgage as she wants to buy land and doesnt want our mortgage to prevent that, and she says she could give us 10000 before taxes would be an issue on her end. So now we are just trying to decide when we want to go onto the next step, our lease here doesnt end untill march, but if we can help we would really like to buy before dec 1st to get the tax credit. Its just exciting to know that owning is still a possibility, because i hate throwing money away renting.

Cliffs: started looking at houses, didnt think we could qualify for a loan, but after talking to the bank it seems we could get one, just waiting to move to the next step.