I just joined on Saturday and I thought I was good to go. After reading some post I am beginning to get worried. When I was on the phone with my guide he went in and did the credit check and approved me right then. Is this an "official" approval or does this just mean you fall into some kind of guideline in which they agree to review your information? I have also read of some cases where people have been told that they need 30% to 50% down? Can they come back and say I need to put more down after my guide has stated I have been approved and I have paid the 10%?