These are all ways to add value, maybe when you bought the home for 200k, it is worth 225k, then you put that 25k difference into renovations, and now maybe your home is worth 250-300k…I would sit down and write up a detailed plan and talk with the right people before shopping!

Sure if you dont have your own 3-5% down payment then yes use DPA if you really want to buy.After going over the pros and cons typically our FTHB'ers or first time home buyers end up getting a gift or bring in their own 1-2% down + 1-3% gift and end up with 3-5% down payment and borrow at regular FHA/conventional rates (avoid the DPA program rates).This is actual experience.

Not every lender is the same, continue shopping around until you find one that meets your needs.

During that lunch work shop I haven't taking notes and I felt more and more the staff is looking bad at me: of course I m the only fool who hasen't talked to them yet!

Connect with a quality broker in your area that can shop the various companies for you and find you the best deal without compromising coverage.

The CE Shop is a good overall resource for courses for pre-licensing, but there are a million of them and they all generally do the same thing.

I would also consider scaling back major expenses like car payments, lavish shopping, etc.

I am going to go shopping and buy everything and then go back to her house and I am going to have her supervise me all the way through till I have a  beautiful cake on a plate  . . . 

Comparing Amazon to Bitcoin is like comparing your local pawn shop to Walmart. 

A cost segregation study was performed on this auto repair shop in Nevada with a depreciable cost basis of $1,250,000.