It's normal to be nervous... but yes, there are a few ways you might not get the loan. First - whatever you do, don't do anything that will effect your Credit. For example, avoid making any unusual purchases - don't buy a car now, don't start buying furniture, and don't open up any new credit cards... or even close any current ones down. It's too late now, but in the future, always get your free annual credit report at www.annualcreditreport.com to see what the banks see and clean up any mistakes that hurt your credit. The only other way you'd not get the loan is if the house you are buying does not appraise. They may approve your loan, but only if you come up with more cash. Good luck.