And it was office staff.

I have an office in west chester - happy to connect for breakfast / coffee 610.745.2992 is my cell - let’s set something up 

I went to city hall to submit them and they were refused by the code enforcement officer who put up the red tag 2 weeks prior.

The LO (loan officer) needs to be in constant and cohesive contact with the borrower(s), listing and buyer brokers, processor(s), underwriter, title agent and generally in the driver's seat once the contract or refinance is executed. 

Living in an illegal unit, even temporarily, could jeopardize your eligibility for certain loan programs.I am a Loan Officer, and if you would like to chat further about your specific situation, I can answer any questions you may have.

I've reached out to the office about 2 hours ago, but no one answered the phone.

I would check with an appraiser and your municipal zoning officer to determine if they are acceptable.  

When I was in college, our next door neighbor was a cop, and he was living there with a reduced rent and was the on-call law enforcement officer in case anything ever went down.We the neighbors were all underage - He would come over off duty and grab some beers...He would also call us and let us know that "Party Patrol," was on its way, so we could tell everyone to clear out before the on duty units could arrive on scene.

In theory after you have made timely payments on their loan that should be considered, but in practice I have yet to find a loan a officer that can package it so their underwriters will except it. 

I'm wanting to purchase and rehab or build in rural Ga but would like to talk to a good loan officer who can let me know if the location and me qualify for a USDA loan?