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I feel like God doesn't want me to buy a house.

Here is why.

I get preapproved, Everything goes well.. (I finally have a job that I get paid salary- which is AWESOME becuase Its so hard to get approved for anything when I made commission doing hair) Well... I get pre approved, only to find out after I start looking that the amount of $ is wrong.

The lender tells me that since Emma's childsupport is not mandated, that I can't count it.

I was so upset. I talked to another lender.

The new lender says that he CAN count it, that I just have to prove it. I supplied him with 4 years of bank statements showing that I have been getting it EVERY month. Emma's dad goes to his lawyer, and writes up a document saying he agrees to pay it, etc. etc.

I find a house. I am in love with this house. I am about to put an offer down when a lady who works for the lender (someone I have never talked to before) calls me and tells me I am NOT qualified.

Apparently most of my papers went to the underwriter, so she had no clue what she was talking about

After my realtor calls and freaks on my lender, he calls me personally and apologizes, and says that I AM preapproved, and that it was a mistake.

So I proceed with the paperwork.

As I am filling out the paper work, I ask, "How long has these people owned this house?" (Don't even ask me WHY I asked, I just did ) The realtor stops and panics. She says that I can't buy this home becuase USDA (the loan I am going for) Won't let me becuase they technically "flipped" the house and haven't had it for more than 90 days.

So I am upset, but after a few days, get over it , and make an offer on another house I like. I get this house for exactly what I wanted to.

I am very weary about getting my hopes up on this house. I go through the paperwork, inspection, and about to get my appraisal done (my closing date is in 10 days) two days ago my lender told the sellers to move out of the house becuase closing will be the 20th. He told me there was NO WAY anything would get in the way.

Well, Today he calls me. The USDA loan was denied.

I haven't worked at my job long enough (I have to be there a min. of one year, even though I have salary, and great credit) and there are no other options. I can't get the house period. I wont get my earnest money back ($500) and I won't get my money back for the inspections ($300) and luckily the house wasn't appraised yet ($400) which was ordered to be done tomorrow.

So here I am, No house, no pot to p*ss in basically, and the reason is becuase I haven't worked at least a year. How could this have been overlooked?!

seriously. What a waste of time and money.

I swear this is a sign from God that I shouldn't be buying a house. So many things have gotten in the way of this. i thought I would be devastated... and I am to a degree (Emma is SO excited about getting a house she tells everyone she sees and she is always talking about her plans for her room, etc. ) but I am almost relieved. I feel like God truly didn't want me to get a house right now, and that TRULY everything happens for a reason.

I feel sort of thankful.. like I can really feel as though God is watching out for me. The last week I have had some doubts.. maybe something is behind it?

Don't get me wrong, I am sad. I am angry... but I really feel like this IS what is best, becuase I truly believe if I should have gotten the house, I would have.


UPDATE: Apparently my first lender said he can give me the loan! I am supposed to close the day before thanksgiving- We will see!