I work 2 jobs, approximately 60 hours per week. My wife also works full time but in a salaried position about the same amount of hours. We were both raked over the coals in our previous marriages and are both still paying the costs there. Needless to say niether of us have great credit scores and are trying to buy the home she grew up in. We keep getting mortgage companies that promise they can close only to be let down yet again in the end. The owner of the property is on our tails to get a deal done and I fear we may lose the home. We have already given him $18,000 and now we have just learned that he tricked us with fine print that the money is not refundable if we do not buy!! HELP!!!!!!!!!!!