Whatever one you find or use get an attorney to review it first to make sure it is compliant with local laws and regulations.

As a consumer, you're not only limited to a broker or S&L institutions that are federally regulated.

seriously guys, look into cheaper ways to buy. using the funds from a re-fi from one house to buy more than one new house is growth. growth is what you want to do. make your money work as hard for you as you can. finding houses that are dirt cheap is the answer. there are several ways to buy real estate that are nonconventional. several years ago, the federal government restricted the number of foreclosures a bank can put back onto the market. consequently, that forced the banks to hold onto the less than desireable foreclosures and market only the best that they have. that added to the carrying costs of the remaining houses that they could not market. finally, they had to make a decision; hold onto those houses until they could market them, or dump them in light of loosing the carrying costs. most banks chose the latter. so, now, you have thousands of houses that the banks just dumped back to the previous owners by filing a release of lein with the counties that they are in. legally, you have a house that the bank no longer has a claim on, and the previous owners either do not know they own it again or they don't want it. there is potential for a hell of a deal.i bought one for $2000 on a tuesday and sold it for $10,000 on thursday. i also bought one for $2250 and picked up the back taxes for $4000. that one i am holding onto to rehab and will be worth $50k when i am done. tax sales are a great place to pick up extraordinary deals too. your problem is NOT on your cash end, its on your buying end

http://www.latimes.com/business/la-fi-fannie-mae-freddie-mac-mortgage-downpayment-20141208-story.html3% down government loans will be back for first time home buyers.

Savvy private lenders and hard money lenders won't loan on an OO property because of the extensive regulations. 

Yes I call them morons, because 99% of the wage earners in this country have no clue, that the government is giving them an allowance called a pay check.

The government, having bailed out Fannie and Freddie in 2008, owns most of the pair.

The seller seems to think it's fraught with complications or that my buying it subject to her financing will prompt problems from the government.

I personally would't buy any property up there until the government decides what if any downsizing will occur at Ft Drum.

The City Manager and Police Chief throw up their arms and say there's nothing they can do.Due to the low cost of living in areas such as Redding, many of the homeless and ex cons make their way there to live off their government subsidies.