Thank you so much for the additional advice! Jim_ed, I’m glad to hear that you guys got approved on a house with a slightly older renovation. I was beginning to think that you had to buy a house fresh from a flipper with brand new granite and stainless steel just to get a mortgage, which seems silly to me. Brightwoodpark, I will definitely be investigating that BB&T loan. I’ve loaned from them before and it was pretty painless so I would definitely go back to avoid that pesky PMI. Ptb22, I have looked into the 203k process, but I find it very intimidating. However, if we find the ‘perfect’ house or a killer deal that just needs a little work we might consider doing the streamline 203k. Thanks again, I am starting to feel much more hopeful about this!