If you have been following the sordid tale of my mortgage loan, you know that I had to get an income audit in order to verify my income for the FHA home loan we opted to go with. Well, not too long ago the income audit came back, and thanks to a couple of things that an accountant does, that I wouldn’t know to do, we are back in the running for the awesome Utah home loan program.

And, since the builder seems to be dragging the old feet on actually finishing the house (it’s new construction), there’s no way we’re closing early. So that means our home mortgage loan officer has time to try and make the better program (with the better interest rate) work for us. We may have to pay off the car to get the debt-to-income ratio down, but we’ve saved so much for the down payment (and we won’t need that much with the Utah home loan program) that paying of the car will be a piece of cake.

The roller coaster ride continues…