ok this very very very much qualifies as a "1st world problem" but..
So my wife and I wanted to get a new house. The one we have now we bought 6 months into our marriage, pre kids, etc. It's a nice house, but we could use some more room. So we put it on the market.. Bam, we got a cash offer within 4 grand of the asking price in 2 days! Much rejoicing!
So we found a house we wanted..Went to go get "prequalified" for mortgage and all that. Not thinking anything of it.. I knew my wife's debt to income ration was a bit high, (Child care costs put on Credit card, not the smartest move but what's done is done) She's a teacher, 19 years , same school, loves to teach, hates red tape, etc. But because of budget cuts and the like, no raise or COLA for a while now. .. More below the fold