to add to my question- we got preapproved, found a house, made an offer, offer excepted, home inspections done, underwriters in process of whatever they do, appraisal done. Also today we see they made a inquiry on our credit again(first time was done for preapproval)...so whats next? we have heard horror stories of at the last minute the numbers fall short or something happens to cause the credit to fall through and the dream is crushed! We have been careful to make no purchases or do anything to lessen our credit standings. We haven't made the big announcement of buying a house because we are cautious. our real estate agent says we should close by the 31st or sooner and he feels very confident everything will be just fine. still we worry!