Bankers suck

Well as you can imagine someone trying to buy a house has to deal with bankers. The title speaks for itself. They do indeed suck. I'm placing them in the same category as lawyers. It seems no one in the industry wants to give me the facts. Or at least not all of the facts all at once. They like to tell you a few things to get your hopes up that you will indeed be able to get a loanfrom them, then when you actually get in their office they like to stomp out your dream with a lot of hemming and hawing and negative body language. I left my pre-approval meeting with the banker with a knot in my stomach and my brain telling me that with the kind of luck I have I will not be getting approved.

OK OK I know I have absolutely nill for savings but this opportunity to buy the house so cheap isn't going to wait for me to save up some money. My credit is excellent, my debt to income is well within the bank's limits, the house is worth more than twice as much than what I'm paying for it... doesn't all that factor into the equation? My fate is now in the hands of some corporate underwriter so who know's.

Oh one last thing. I think that their should be a complete course in highschool or hell, college for that matter on HOW TO GET A LOAN 101. If its a highschool course it should be the same one that teaches you how to balance your checkbook. Now I'm a college educated person I feel I'm reasonably intelligent... and even I'm confused as hell as to what all goes on when you apply for a loan.