If family, work and sports have prevented you from starting you are not in a position to start.

While the low down payment costs are what entices many veterans to jump on that loan , it will significantly increase your PITI and ultimately thats more money you would have to pay interest on, even 1% down can prevent thousands of dollars in interest over the life of the loan.Best of luck and feel free to reach out for anything I can help with!

I’m not sure how to prevent further issues.

They won’t want to do it, they don’t have to Use your lender for the loan, but you need to insist......to prevent what you just went through.

You’re getting to a point now where it’s not just the market that is preventing you from finding what you want.

Is there any laws that would prevent me from doing this?

I ask as different states and different cities have laws that prevent you from doing RUBS or require you to do a certain type of meter, etc.

I am 61 years old and I have been bedridden for a few years ago from a brain annurism and a stroke just 2 days before I was scheduled preventive surgery. 

That with an annual service and preventative maintenance contract will make it last its full life of 7-12 years.

However having 100% of the funds in my account 60 days before travel allows me to collect the interest, have access to the funds early thereby allowing me to use it if needed, prevents fraudulent credit card uses since people have 60 days to notice fraudulent activity, and prevents reasonable chargebacks.