Hi, this is interesting, finding a way to legitimize, justify and bring an aspect of fairness to an activity that is usually promoted in an unlawful manner.

:D And as you say you've not been a forum member before, please don't be upset if I politely tell you that it's considered bad manners (a breach of netiquette) to type in all caps, because it SOUNDS LIKE YOU'RE SHOUTING.

It's not a good philosophy you say "nobody" wants to live in a particular state with a sustainable population.

By my calculations, the amount of property I can sustain will grow exponentially over time.

When they attain that, and are content and ableto sustain it, they are Financially Independent.

`(b) Purpose- The purpose of the HOPE for Homeowners Program is--`(1) to create an FHA program, participation in which is voluntary on the part of homeowners and existing loan holders to insure refinanced loans for distressed borrowers to support long-term, sustainable homeownership;`(2) to allow homeowners to avoid foreclosure by reducing the principle balance outstanding, and interest rate charged, on their mortgages;`(3) to help stabilize and provide confidence in mortgage markets by bringing transparency to the value of assets based on mortgage assets;`(4) to target mortgage assistance under this section to homeowners for their principal residence;`(5) to enhance the administrative capacity of the FHA to carry out its expanded role under the HOPE for Homeowners Program;`(6) to ensure the HOPE for Homeowners Program remains in effect only for as long as is necessary to provide stability to the housing market; and`(7) to provide servicers of delinquent mortgages with additional methods and approaches to avoid foreclosure.

I don't know if someone is trying to pull a fast one, but I can't see how something like this can occur in such a manner.

I asked the same question last year and most of the responses I got were to keep debt as little as possible and I have been moving forward in that manner.

(sustainable resource)- Use energy efficient light bulbs or dimmer switches (I heard E/S bulbs have mercury in them so I stay away from that)- Install a day/night programmable thermostat- Replace windows with double-pane LOW-E.- Install added insulation (attic, basement ceilings, ect)- Install Energy Star appliances- Convert oil furnaces to gas if possible.- Upgrade furnace to high-efficiency unit (90+ rating)- Convert oil water heater to gas if possible.- Recycle: demo, paper towels, drink bottles, ect.- Replace the toilet (old toilets use a lot more water!)

BPOs-but do not expect to be paid in a timely manner from some companies.