It does make sense, but I’m concerned it will now take me six months to qualify. My Payment shock will be $1200. I don’t currently have a rent payment. I have saved up 6 months worth of payment shock, but it wasn’t $1200 each month. Even though I have $7200 saved up, I’m worried they will make me start all over again and it will be six months before I can qualify. I understand having to keep up the savings between now and closing, I just don’t want it to mean I can’t even qualify for six months 🙁 That’s so disheartening!!!