Or move to a place where it is suitable for your child since health is a concern.

I have been away from the forums for a couple of weeks, so I thought I would post a quick update.My wife and I had our first child.

And the line of communication is open with the title company, that I have about 1-2 weeks to ask them to include the liens exceptions that list that auction.com has for anyone who buys from them (HOA liens, IRS liens, child support, anything you can imagine).

I am 27 years old and expecting my first child at the beginning of November.

Look at the "No Child Left Behind Act."

(All teachers are required to take a certification course on child abuse).

Negotiations were long and drawn out, made ever more complicated by liens against the property, IRS problems of the property owner, ex wives of his with varying interests from divorce settlements, an adoption he and his current wife were attempting to pull off, and a "lost" $22000 cashiers check from a previous buyer (the check actually was lost, after taking control of the property I found it stapled to the back of a child support order!).

She tried to reason with them ( the worst thing you could do) and they told her that if she could not pay her bills then she was not fit to be a mother and that they were going to call Child protective services and have her child removed.

I have no problem with that, I get it, there is child support, etc. 

This would be an exempt transaction even though it would be secured by owner-occupied property.Here are some examples of loans secured by non-owner occupied real estate that would require compliance with Dodd-Frank:A loan secured by an office building where the primary use of the money would be to take the family on vacation.A loan secured by a shopping center where the primary use of the money would be to buy a family car or to remodel their personal residence or send a child to college.In general, if the money is used for a business purpose then the loan would be exempt from Dodd-Frank whether or not it was secured by an owner-occupied property.