But that $12k could also pay for a European trip for my Husband and I and I would have no problem spending it.  

But hey, I also heard the county commissioner (who I know) on a radio call-in show the other morning, and someone called in and asked about why the city ordinances were as they are, and he said they're always considering options. 

The county tax commissioner's website claims all liens are erased once foreclosure is completed; this includes mortgages, liens, and federal tax liens.

The European economy may not be robust right now, but will become better and more attractive to investors (lenders) than the U.S. in the near future.

Probably under 4% for a OO loan.3) The government policies make 30 year fixed rate loans a reality in this country where those are unheard of in European countries.

We are trying to engage the European market more to fill those voids.

If the euro collapses then european investors will throw their money at the dollar and foreign investing.

I will suggest  calling  the tax commissioner office( may have a different name for your county).

The insurance commissioner is coming down hard on title companies doing double closings.

There are European countries with hundreds of them stacked together for housing as well as a huge developer in LA that uses them for low income housing, just to name a couple.