Please, for the sake of humanity and all things legitimate, never, ever, ever, say that cash back at closing is a goal.peace.

Things like health insurance.

Anyone with a good knowledge of History (especially Cultural Anthropology) will be able to predict future patterns of human behavior based upon past human behavior.

Readers of this thread may want to check out the link at http://www.hsainsider.com/Individual/Benefits.aspx as they claim to be a leading authority on Health Savings Accounts.In answer to Brian, yes you do have to have a HDHP (high deductible health plan) to setup the HSA.

They are human beings that are just trying to make a living like everyone else.

Seriously, I left the health care field in 2006 (was a critical care nurse for 20 years) and found that male nurses who wanted to climb the ladder into management did so at a greater pace than their female counter parts.

The organization called Twin Cities Habitat for Humanity Mortgage Foreclosure Prevention Program (MFPP) for example is one of the organizations that assist people facing a mortgage foreclosure hoard their homes.

I would have one you typed yourself and just have the seller sign it.Make it generic with the main point being that he or she cannot afford to make payments and is having personal health issues.I find banks are flexible with w2's and pay stubs if the hardship letter is dramatic enough.

I just sign the letter, they hand write the envelopes, put on the first class stamp, and put a little heart sticker on the sealer.Wheatie, I am spoiled in that I have human capital to use as part of the system.

It goes from Preconstruction houses at 120 percent of market value, to feeding kids in Africa for 99 a month with the promise of wealth, health and all that stuff, and of course the $7,000 course from guys who do not do real estate, with concepts that do not work in the real world