I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.

Craigslist is great but there are also several public information sources which I've heard that you can use to look up motivated sellers for marketing.

After my clients would select a loan program I would tell them who we were dealing with, "this loan is through Lincoln Services who will be buying you/or funding your loan" or whom ever or, I'd tell them it's our portfolio loan made by us/me.You may have to pay some fees up front in a commercial loan, get a break down of each fee and where the money goes and who performs the services required.Under the SAFE Act, a broker may not charge a fee for themselves, but they can collect appraisal, credit report or other third party charges necessary to process the loan.This goes to show that borrowers need to do their due diligence on lenders as much as lenders check out a borrower, especially if you're not walking into a bank.Sorry to hear your situation, good luck with the matter

I would have to check with HUD to see if they ever publicize their actions.

I wonder why they just don't help fund the schools to teach that publicly, rather than through their own academy?)

Trust is on public record and the LLC remains anonymous.

A Sheriff sale is a public auction held by the city to sell foreclosed homes to satisfy the payment of an outstanding mortgage forclosure, tax lien or tax sale.

I started in a business program after retiring from the military.

@Steve Babiak  - care to share the info publicly?  

Louis County PHA program.