A lender should be able to give you a more definitive answer or have an underwriter look at your file.I would recommend having the lender review all your documentation and giving you a formal pre approval.

If you connect with @Christopher Stanis, he will send you a formal invite to our next meeting.There are about 30 of us who meet in the Binghamton area.  

It will damage her credit, as a non-judicial foreclosure (I believe), but after a little while, her credit will rebound.  

Obviously, you would want to go through a judicial foreclosure so as to be able to make your case.Notwithstanding the above, you could ask for a partial guarantee, say 20%. 

)Education is available in all of the financial services, formal education, corporate and specialized education.

You need to embrace the mentality of a student and continue invest in your education, both formal and hands-on, real-world (my preferred method) learning.

My background is in Marketing and Sales, however, my formal education is in Criminal Justice and Police Training.  

However, given that they've also given us a formal appraisal of their value, it's actually also another piece of leverage to re-approach the owner. 

IE they must post 21 days int he publication in the county if they somehow mess that up then the sale is voidable upon judicial action..

You can get specific in the formal offer (TREC?)