@Steadman ShortCody sperber is generally considered a waste of time as far as programs go.

We are close to testing several new pieces of technology that will help us untie from any outside programs for billing, communication and even property management. 

I have learned that many things are lender specific, not top down government rulings. if anyone else has any information please feel free to chime in.

She would not sign off on the HAP (short for Housing Assistance Program) contract with the county.

But, I'm not sure how Home Possible (which is a Freddie Mac program) may or may not limit your access to an FHA loan.

Sometimes I look at BP while he is engrossed in Pal Patrol glued to my lap.I listen to the podcasts at the gym as my YMCA has a good children's program in the morning. 

I'm on the tail end of a two year "career break" where I resigned from a government job to travel the world. 

There are loan programs that would allow you to potentially use that income toward the loan but it's not possible to determine your ability to purchase without the detail that an official loan application brings.Also, don't worry about your credit until you meet with a banker and find out if your current credit will not work. 

Due to the number of spam call we all get, it's obvious the government isn't enforcing it well.

(Yes some Government sponsored entities may require it, but there is no general law requiring it.)You just  need to look around for bank that don't require seasoning or define it in a way that you meet the requirement.