Kimberly, that's not really what I said, I was speaking to the fact that federal law requires you to consider income regardless of it's source, assuming it's legal, they are speaking directly about social security and different types of assistance programs.

There is IRS Form 14135 - Application for Certificate of Discharge of Property from Federal Tax Lien.

Does anybody have any information or know of any programs, book etc. where I can learn how to do this?  

Omar - don't forget the political aspects of real estate.In respect to development (or re-development), we can only imagine how the economics of a new tract built in a tough area may have played out.Politician needs to repay a favor to a supporter, who just happens to be a developer.Developer sees an opportunity to (maybe) change a negative economic trend in that community.Developer builds one less profitable project so that a much more profitable one can be approved in another community.Bank offers low, subsidized financing due to local or national programs that exist at the time.Just because it doesn't (or didn't) make sense, doesn't mean it was unprofitable.

So you'll need to figure in the costs involved and see if FHA is worth it to you.I wanted to point out that most states have a special program for first time home buyers where you may be able to get in a home with 0% down (like Virginia is VHDA where you take a class and they finance the FHA down payment for you as long as you live there x years).

The bigger banks will have much higher requirements on their government lending programs generally 620-640.

Google works well with other programs once you get started with databases.So in my opinion, I like Google Apps and think the you will like it.

It depends on the type of loan program.

I did catch one thread on here regarding someone who was in his 90 day program, but wasn't sure how to take it, since the thread kinda ended abruptly.

Then there are the books/programs that seem like they are helping you, but give you useless advice.