The housing loans thing was a joke. When we applied we were approved for the largest house in our selected neighborhood- $20,000 more than ours. We bought the second smallest. We couldn't figure out why we needed a house 1,000 sq ft bigger than one we already wouldn't completely furnish. Plus we didn't want a mortgage $200 higher a month. Our house is too big at 1,600 square foot for us and two dogs, we don't ever use the guest bedroom. What would be do with with a 2,900 sq ft house with another bedroom and a game room? We are feeling kind of smart as our neighbors complain about not having money to re-do things around their houses they want to do. The houses on either side of us are bigger than ours and higher mortgages.