I heard from the mortgage company today. In fact, they processed my pre-qualify within an hour. The good news...I qualify for an 80% loan. The bad news...I won't be able to come up with the 20% needed for down payment and closing costs. I haven't spoken with my mum yet, but I know the amount needed is much more than she is willing to contribute. If I had qualified for 90%, we could have made it work.
I'm numb. I feel like this was my last hope for happiness and now it's gone. All of my dreams are gone and I don't know what to do now. I want to crawl into a hole and never come out. I have no idea how to function. Just trying to breath right now is killing me.