Why Is This So Difficult?
I don't know about you, but I am already fed up with the mortgage process. I thought that being second time homebuyers, it would be easier. Boy, was I stupid. It's just as stressful as the first time, if not more! We went with a mortgage broker because in my research, I found that they have more options for you than normal lenders. In our preliminary discussions, he tells us we are eligible for a USDA loan that has no downpayment and a really nice interest rate, and he sends us on our way. We find a home. We put in an offer, and I email him to let him know. He then calls me to tell me that we can not get the USDA because he neglected to tell me that we could not look at doublewides and the home that we put the offer in on is a doublewide. (Where we live in VA if you are looking to move to the rural areas, there are more doublewides than houses.) So, this changes the whole ball game completely. Now we are looking at coming up with a bigger downpayment, a little higher interes...