No when to fold em

That's right. We are throwing in the towel on trying to buy a house. We have been FHA discriminated against like many others just like us. Banks won't even allow us to see homes or tell us not to bother to even make an offer because we have an FHA loan. Then we learn that the company we got the loan from will only write the loan for the appraisal of the house, not market value. Therefore, we will consistently be outbid by investors and conventional loans that can increase their offer to market value. The whole process has been so frustrating and we just realize that maybe it just isn't for us right now.

Living conditions will be tried and tested soon as I go into the hospital Tuesday. If it isn't working out then Brent and I have decided to try to rent something. Brent feels really strongly that putting the baby in the trailer through the winter is just not a good idea with so many things going around right now. If we can stick it out till tax time, then we can finish paying off what we had wanted to pay off when moving here and will be in a really good position financially. But that means we really have to make things ok for everyone. Having a baby and moving into the house was never in the cards when we talked to my parents and they have been very patient and willing to work with us through this time. But how long and much can their patience be tried?

We've discussed me going back to work when Ben goes to kinder (although neither of us want to do that, but right now we feel like it will be the only way to buy a home). We realize that we have put ourselves into this position because of years of bad financial decisions and are trying to learn, but every time we come to a crossroads we are terrified of making another bad decision.

Any advice?

You know when your young you think everything will just work out perfectly and of course you are going to have a steady income, house, friends, life, etc. Then you get into your 20's and learn that life really sucks most of the time and you go from making these huge decisions that you have no idea how to answer. When do feel like you finally grow up? I'm ready!