The other thing is that the Government wants desperately to stimulate the Economy.

I don't see this changing much of anything.Desperate sellers may use it, but often desperate sellers aren't the most tech savvy.

I desperately want to give them the best life possible and at the same time make them proud of their son.

So yeah it may cost the average borrower about you 1.125 pts "more," upfront but that was marginal since there were so many ways to "absorb," this cost for the average buyer.Back in those days I'd just help the buyers agent negotiate this 3.375 pts from the seller since it was a buyers market and sellers were desperate so most of the time the buyer came in with 3% down and did not have any monthly mortgage insurance because the single premium MI cost was delegated to the seller and was a "wash," after the seller credit.

In other words, people call me when they are desperate to sell because they know that I buy property.

It's one thing to have an inquisitive mind and explore alternatives based on logical, verifiable information, and a whole different thing to cling desperately to a conspiracy theory even after it was proven false, just because it happens to support one's outlandish political agenda.

The seller-agent says that the bank may or may not be desperate becuase of the title problem it fell out of escrow last time. and as far as she knows there is no cash offer at this moment there are offer but not cash so how much should i offer should i offer $180?

Then the first was getting desperate to close this the the 1st mortgage started negotiating directly with the 2nd mortgage and they finally came to an agreement.

None of that is likely involved in a straight off market purchase from a desperate seller.Anyways I think you should have a few different ways of finding properties and there are plenty to choose from.

I just made it this week and I desperately need to add more text but for now its a location for buyers and sellers to fill out a form.