Breathe again

It would be nice to find out today that I can breathe again. Today, we should find out about our loan. It's still up in the air about whether or not we'll pay PMI. Finally, I've gotten clarification about it all. Apparently, if you are over the debt- income ratio they like... they then see if your house is Energy Star to approve it. If not, they then look at your credit scores and determine if they wish to risk it with you. Our debt-to-income ratio is too high and our house is NOT energy star so they must go by our credit. Our credit is right below their requirements... almost up there but not quite. So, it doesn't really looking positive. I have a horrible feeling that Will is going to call and say they just couldn't approve it. So, what that means is that we will have to switch to a FHA loan and we'll need to pay PMI then. That very well may be too much. Our payment will be $200 more than we'd wish it to be. Wow, he might not get our house because of this. It doesn't seem smart to try to push ourselves every month with these payments. What if something happened? What if we lose this house?