This article tells a little about that.
Anyway, having been out of the housing loop for the past 4+ years, the difficulty getting a mortgage surprised us. In fact it took over 2 months to get it all worked out. The last week before we closed up I had almost completely given up.
But not without prayer. SO much prayer. I was praying all day for help with this problem. I kept asking for His Will, to know a plan B...I know what we want isn't always what we need so I was open to new ideas.