it took us from april to september to get our house after we picked it out. We had to jump through hoops. We had to submit 2 years of taxes and then they wanted a third year. Then they misplaced the forms. then we had to wait for the bank and the FHA people to get their communications straight. Every time i deposited money into my wifes account to go towards the downpayment i had to show my withdrawl slip from my bank and also my pay stub. My parents were giving me 6k bucks and my mother had to get a bank check and write a letter gifting the money to us. we had to get the inspection, the appraisal, the home owners insurance. Because the had re-mortgaged the house and because they owed $21k in back taxes all of the fees to do the title search were increased. the downpayment was the easy part, that was only 6k. but when you add in all the extras we probably laid out another 4k. Then the closing costs were another 15k. Then we were close to missing the date that we had our maortgage rate locked into and if it passed then we would have to apply for the mortgage all over again. Crazy red tape bullshit. BUT it is all behind us now and i couldnt be happier and my dad was very proud of me for getting my shit together and providing a home for my family.