...and the bank too

I really didn't think the bank would cause me so much stress. I knew money would, but not the bank. A disclosure that was supposed to take three days to get back took close to four weeks and it was wrong. Getting it "fixed" took a few more days and the "fixed" disclosure was also wrong. To get started, Paul and I just signed it so that we could get our land and drawings appraised. Why are we getting our land appraised? Well we may need to use the equity in our land towards our 20% down payment. The house is going to cost so much money. I'm worried we aren't going to be able to afford the payments. -- So, I'll confess, we went to look at a house for sale. It didn't have a view, but was really cute. My mom is here for the holidays, so I want her to see it and see what she thinks. So far though, she has really been pushing for us to build. And I do want to build, but I don't want to be broke for the next 30 years. -- If all goes well with the bank I think we should close in February. We shall see.

Is this delay with the bank a St. Thomas thing or just a bank thing?