Getting approved for a home loan is a long horrible process. We were pre approved about 3 months ago, and now that we found the house we want to buy we had to get some more information to send to the underwriter who will actually approve the loan for real. Well, of course, nothing ever comes easy for us. The bank guy (Joey) sent the paperwork to get our rental history for the past 3 years to the places we rented from. One got back to him right away, the other (Oakwood Forest) waited 8 days, then sent that we started renting from them 2-04 instead of 9-03 like we really had. Apparently when they changed ownership all the records before February disappeared or something. Luckily you can also use your tax returns, which we didn't have, but we sent off for. Even more luckily Joey is a super nice guy and he talked to the head loan person or something and they approved our loan today! I guess even with the incomplete rental history it was ok. Anyway, he sent our paperwork off to the underwriter to get everything finalized. WE'RE GOING TO HAVE A HOUSE! I'm so excited!