Well, family emergencies occurred and I’m just getting back to these posts today. I did get loan approval and continue to look in North Park, primarily. I am actually looking at lower priced (than my loan amount) places because I hate to owe money and I don’t need to overpay. The comments by HLS and others were really helpful. I get the message–I’ve overinflated my “I’m a great risk” scenario, and I’ve just got to suck up that this is the way it works. Got it!!! I disagree with the poster who said I’m looking for more than I can afford but that’s okay–it’s all food for thought. Meanwhile, I will check out some of the online loan sites, and continue to look around. I”m in a very low cost apt so I have time if I need it….Thank you, all!