I wonder how this worked out for you Sassime40? It's great you reached out, so hopefully you received good advice.
For situations such as this where you feel you are close, or have no idea exactly what you need to do to simply get approved, the best answer almost always is to contact a mortgage banker who is willing to break down exactly what you need to do to become pre-approved, get to the closing table, and into your new home. There are mortgage bankers out there that will take the time to lay it out for you, and give you an honest assessment of how long it will take for them to provide financing to you. A good Realtor can take it from there and make the entire process a smooth experience for you.
I have three in-house mortgage bankers that will do just that. They have done some great work for my clients. Give me a call or contact me via email to get the ball rolling, to see where you stand!
Better Homes & Gardens Wilkins & Associates
26 Years in Business this year.