Why didn't anyone tell me buying a house sucks! I'm so freaking stressed out right now. Working with a lender, being told all we need is our down payment money at closing (seller is covering closing costs). Then suddenly today I get the loan application and a request to use my credit card to pay for the appraisal. Money we weren't planning on. So I talk to another lender, won't need to pay that upfront, and a lower rate. Call the first back to say we're going to go with someone else. A bit later his manager calls me back to ask why. I told him how I felt surprised by the appraisal, and worried about additional surprises. As we talk he tells me their rate was high so they could over deliver at closing with a lower rate (which the lender himself never told me), explained the appraisal situation, which I understand, but agreed to take care of it if I wanted to continue. So tonight Katie and I should have two loan applications to go over and decide which to go with.

ARRRAGGUUGGGHH!!!

This sucks. So frustrating, stressful, stressful, and stressful!