Decisions, Decisions

We have thought long and hard about where we are going to go from here.
For sake of knowing whats weighing on my mind, here are the options:

1. Stop the adoption process and go back to the RE. He can help us move forward with the IUI with injectables. Again, this is about 2500.00 a cycle, with about a 25% success rate.
2. Finish our home study, and proceed with the fos-adopt process. This means that we would be adopting a baby from foster care. The risk is low, because our agency doesn't search out adoptive parents until the childs biological parental rights are ready to, or about ready to be terminated. The difference is that the baby will not be a newborn. He/she would be 6 months old, or older. So that's something to think about.
3. Finish our home study, and transfer to an agency that does newborn adoptions. We would have to take out loans and find other financial means, as this process costs about 15-20K. It gets pricey when an agency has to find a birth mom for you, and you usually have to provide compensation for the birth mom's living expenses, which adds up. (Our last adoption, we were connected with the birth mom via a family friend, only needed one lawyer, and weren't paying for any of the birth moms expenses).
4. Do nothing, knowing that we could possibly conceive naturally.

We haven't made our definite decision. We have decided to finish our home study, because we are so close to being done with it. We just have to finish our questionnaire's, and are still waiting for our fingerprints to come back, which should be any day. Then we will be assigned a social worker, he/she will interview us individually, and then come out to our home to assess our living environment.

Once this is all done, the decision must be made. This is because, the home study will either be written for a fos-adopt program, or a domestic newborn adoption program.

I keep praying for the right path. And hope my answer will arrive soon.