Lindsay, I would encourage you to apply, even if you have been denied recently. FHA's "Back to Work" program might be the right solution for you. I live and lend in Southern Oregon, so I'm familiar with the property types, acreage, etc that you will come across. I'm a mortgage broker and a mortgage banker, really, the best of both worlds when looking for a mortgage. Feel free to call my office or apply online at my website.