Well, ultimately we decided not to proceed with the offer on the home. We were so close, all we had to do was sign the offer, but after investigating some other options for financing, that were suggested by Mark's parents, we decided to go with a home in a lower price range.
That home was really perfect for us, but there are lots of homes out there and we will find another that will work better for our pocket book, as well as satisfy our needs and maybe some of our wants.
We are disappointed, but like I have said before, everyone has to start out somewhere in the home market. We happen to be jumping in the market after completing our family, instead of when we are starting our family. We may not have our dream home to start out with, but everyone has to start somewhere. We'll keep looking...there's something out there for us.