There may even be some manner of down payment assistance available to you these days - it disappeared for a while, but is making a comeback. If you'd like a local referral to a good direct lender, please email me. And if you're shopping on your own in my neck of the woods, give me a shout. Maybe we'd make a good fit.
In any event, best of luck to you!
Jeri Creson, Broker
TotalAccess Realty Advisors
A phrase I am very fond of when it comes to home finance is, "if there is any doubt, there is no doubt." In other words, your stress probably stems from your confusion, and your confusion stems from a lack of clarity given to you by the last lending source you used to determine for what you would qualify.
As a suggestion, use this board to help you find a new lender --- one who is willing to explain the pre-approval process to you and assist you with determining your borrowing potential. This is something I do for clients on a daily basis and I am happy to help if you'd like to look into things further with RPM.
You know more than you think,