I just had to re-read Misty's comment about Adam's cousin getting a house.  I just started flipping out again about getting a loan.  Jack and I desperately have to be off at the same time to talk to this loan guy.  I am getting so antsy.  I just want to know if we can get a loan!  Ugh!  Then I can know that the houses I am dreaming about are a possibility.  I totally don't want to live in an apartment again.  OMG I don't think I could take it.