When we requested him to cancel the loan and refund us the closing cost - he said it was against his company policy to cancel a loan - even though the loan documents do not mention ANYTHING of that sort.

 $24,000 loan from the government at 5% or $1,200 per year for 15 years or $18,000 savings.  

I would ask either the title company or a real estate attorney in the area what government agency to report them to.

A rate cut in September is more symbolic and a signal to markets that the Fed is cautiously optimistic that they've tamed inflation than actual dovish Fed Policy. 

I own my own house and I own some land out of state, so I have assets I want protected.I have quotes and will be purchasing an insurance policy that provides 1 million in landlord liability and I can also purchase an additional 1 million in an umbrella policy.My question is, is it even possible, or has anyone heard of a landlord getting sued and losing over $2 million on a simple duplex?

The government would tell you that primary homes have a discounted tax rate and to make up for it they have to tax rentals, AKA small businesses.

Highlight the “family-friendly” perks, like extra beds, pet policies, and flexible terms.

The fastest I've seen personally is a few days, with a reinsurance policy through Metro Title (they were on Glenwood Ave in Raleigh, but I think they moved.)

I purchased my first home in October 2008 in Las Cruces, New Mexico after accepting a career with the federal government.

If she's still there, institute your holdover policy.