The house buying process

Well...let me start by saying that the home buying process these days is just not as yummy as it sounds. We found THE house, we did all the right things in the right order...found a great Realtor, got pre-approval, knew our price range, found THE house in our price range.....
Now we go to get a mortgage...golly gee whiz. Oh and just a note just cause your pre approved doesn't mean anything. Anyway, we go to the bank give them all our life history and our blood type and minor organs and got approved to buy the house...yeah sounds great right? WRONG! Drew got a call that we were not approved for the type of mortgage we applied and were approved for ...a week after we stopped sweating about getting approval. Liars Liars Liars. Anyways, we had to go through another bank to get actually approved for the mortgage we actually wanted again.
Ok heres something that will make you stop and think hmmmmmmmmmmmm...
We could have easily been approved no matter what if we had any of the following
-no school debt which equals no higher education which then equals going not to far in the pay check scale...
- a kid or 2 (which equals...DUH...more debt..kids aren't cheap!) and apparently I have waited to long according to one mortgage gal to have kids....no joke she did not get why we wouldn't have a kid by now.

This just made me stop and think....that to get the money to buy our more than "affordable" house we should have no education and a kid or 2...looks like we screwed up somewhere...