Snowing? Well, yes, it is snowing again, but that's not what I'm talking about.

Fucked by a mortgage broker is what I am really talking about. I just keep saying to myself, "I can't believe this is happening again."

The short of it is that all this time the broker has been telling us that she has two banks that would give us a mortgage if the roof gets fixed, and in the meanwhile I've been writing to credit bureaus to update and correct our credit reports to reflect the fact that we no longer have any debt. So last week she ran our reports again to submit the morgage application and she tells me (only after I call her a week later) that Steve's credit score had disappeared - he no longer has enough data for them to give him a score at all and this is worse that bad credit. There may not be a lender for us.

I spoke today to a mortgage broker that my friend and accountant recommended as someone with a lot of integrity. He looked at our previous scores and the appraisal for the house and said that there was no way he could get us a mortgage and any mortgage broker that can get us one is doing something shady. Well the shady thing apparently is a "stated" income morgage, which is the kind of mortgage that we've been dealing with both times. We were aware that the rates and points were high and we were willing to suffer through that because no matter how expensive it is, it would be less than RENTING.

It is still possible that the mortgage broker will come through with something, but it would be a miracle. We are looking at the distinct possibility that we might have to wait another year or two to buy a house. It's breaking my heart.