We have been trying to buy a house for almost two years now. For the most part, the process has been long and altogether painful. We are currently on home #3. Home #1 was going to be next door to my mom and dad's home. It was going to be built on the site of my grandparents' recently demolished home. That project fell through because the lender required city water and this site had a well. Home #2 was a home we found in Gibson County. After the seller accepted our offer and all was right with world, the lender said that our loan had been approved, but we could not buy the house we chose. The lender said the siding on the home would hurt the re-sale value. So now we are on home #3. After haggling with the sellers and finally getting an accepted offer, this deal is in danger of falling apart because my dad gave us a CD as a gift to help with the home if it was needed. Plus there are back taxes on the property that may push us over the debt/income ratio. Headaches galore...