I wanted to buy a home for me and my 3 children due to us staying in a 2bedroom apartment. I have been working on my credit and finally graduated from the program. I work 36-40 hrs a week depending on the day and was finally ready to reach out to a realtor. The realtor asked for my goals and what I wanted to accomplish. She referred me to two lenders and I chose one and sent over my information to start the pre approval process.

I received a call today and said my debt to income ratio was high (student loans) and was only approved for 60k. I'm grateful I was approved but it saddened me to know that it's not enough to purchase a home. Even if it was there are no places that I feel safe moving to and it would be another two bedroom.

It makes me sad and want to keep breaking down that I can't give my kids a fenced in yard to play around in or a place where they can be kids. I feel like I failed them and that's what hurts me the most...