Everyday is Learning Process

Today I made one of those big adult moves and called someone with interest in getting a mortgage... and I was surprised at all the different factors that come in to play when you are getting a mortgage.  I mean you know about the obvious ones such as credit score, income, debits, etc.  But they also take into account the amount of time you've been employed with a certain company and how you are being taxed.  For example: Zach and I aren't capable of getting a mortgage loan because Zach is taxed as though he is self employed and has only been "self-employed" for one year and they require 2 years worth of tax records.  I would have never thought that would be the reason for us not to be able to get a mortgage.  But I did learn many interesting things such as the range of house we could  most likely get approved for which was higher than I was expecting as well as the possible payments we would pay with this range.  I found the whole phone call very informative! The guy I spoke with was very nice and helpful! I had been so worried about all the bad news this guy was going to have for me and how he would look at us so awful but he was so helpful and it was just the opposite of what I was expecting.  Just another reminder not to judge a book by it's cover!