If you are a 1st time homebuyer, there are sometimes state government programs that are very helpful. 

I know several other states have begin some of these processes with the base of government turning private property into free living.

Are your verifying government ID? 

The violation or enforcement of those portions of any law or government regulation concerning:a. building;b. zoning;c. land use;d. improvements on the land;e. land division; orf. environmental protectionNow I haven't seen or read the OP's so I don't know if it's an HO's policy or if there is an exception to coverage which might affect the underwriter's liability if it's otherwise provided. 

If government did not lend to banks, banks could reduce even more credit availability.  

Because when a tenant has their rent subsidized by the government they are NOT subject to the restrictions of rent control.

The money is just as green elsewhere, with much less worry about what the state government is going to declare for the next year plus.

Taxes and Other Government Fees $200.00Recording Fees Deed: $200.00 E.

Imagine that you could find and buy a cheap trailer park...You have to fix it up like new to pass the Section 8 requirements and keep everything running like new because a tenant can call their worker and you are immediately confronted with Government Bureacracy and heavy fines etc. 

Generally, your credit score governs strongly.