Seems my not being married is a good thing. Just talked to a loan officer to see about my options. Seems I qualify for an FHA fed insured loan that only requires 3% down.

We had been trying to get the loan in DH2Bs name because I am not working, but because both cars are in his name his debt to income ratio is killing us. And he makes too much money to qualify for FHA loan.

Plus he and his exwife bought a house way back when so he doesn't qualify for first time home buyers credit.

Looks like I may be able to get a house in my name, which makes me feel a ton better about us buying a house because it will be mine and if anything were to happen, it would still be mine.

Waiting to hear back on the legalities of all of this. I need to make sure this is all correct before I jump into a 30 year commitment.

But it is good to know there are other options. I really dont want to be stuck in this house for another year. Not that it is a bad house, but with his DD coming to live with us, there is simply not enough room for 4 people and 2 dogs.