Terrified...Petrified...Overwhelmed!

And did I mention, nervous? I swear, this house thing has me all kinds of upset. And we haven't really done anything very proactive about it. I have just been reading stuff on the internet and in the books I checked out. I don't know how there is any way that we are going to qualify for a loan. My credit isn't great. It's better than it was 2 years ago, but still not great and Doug has no credit. That's right, none. We checked his report last night and there is nothing on it, not a job history, not anything. How he has managed to make it to 25 with no credit history is beyond me. And to top it off, Desire called today to see where we were at on the house thing because they found some land and they want it, now. We have no down payment saved, very little in the bank period and now our credit scores! What are we going to do???