Okay, so FI and I are trying to buy a house. We are pre-approved, but at this rate, the houses in our price range are all foreclosures. Which on top of that, we have a special guaranteed loan that could push closing process our 45 days or more. And foreclosures take longer too because of the way banks typically sell them. so grrrrr...just mad. We may be living out in the boonies longer than either of us would like. rah! Hopefully we can find something we like today and can get moving on it before the holidays. we'll see though.