There is another part to this....
Since we are both self-employed, our yearly income fluctuates. The bank looked at 2010 and 2011. Now they want 2012. 2011 was a great year, but 2010 and 2012 were average but basically the same.
Will this affect us?
Otherwise, nothing at all has changed and we are in good financial standing all around.
Thank you for all of the support and help.