Buying a House

We are thinking of trying to buy a house again. We tried 3 years ago, when I was pregnant with Gabe. I didn't think it would happen, but we went through the process, and then a month before closing (a month after making the offer). Bam. No go. So. I am scared. Money is my weak spot, and an area that just makes me tense and nervous and sick. And I am not pretty enough for a rich, Prince Charming apparently (although Karl Evans isn't so bad;o)). So. I . am. scared. Being human, disappointment isn't a feeling I desire. In fact, it's about the worst feeling, isn't it?

We are doing our final credit score checks, before we head to the bank so they can do their own "real" checks.

Last time, we were told we were denied because with income based repayment on my student loans I didn't have to pay anything. They said if it says zero, then they will take the full amount. Although I still owe zero, I have been claiming one less dependent to mohela in order to have to make payments. But I just redid it, and it's zero again. So I have to send a new form in quick, because they put it in forbearance without my permission, so I can owe zero. But supposedly that is what hurt us. We'll find out.
And even if that is okay, apparently banks just aren't approving many people right now.

so I am going to chin up, find the strength (really, I just need to disengage emotionally, I guess), and go through the steps. If it doesn't happen..we'll maybe in another three years.