i talked to my financial adviser who oversees the account at fidelity and they said i could withdraw but would take a 20% federal tax hit a 10% penalty and then another % based on what ky state taxes are for withdrawing out of your 401k. so essentially my $30k would be nearly halfed if i went that route. i have also looked at getting a H.E.L.O.C (home equity line of credit) for the $40k+ i have in my house but we are currently adding a wet bar, cigar room and renovating a bathroom so i would need at least another 3 months before i could H.E.L.O.C.what do you suggest for me and my co-worker We are both in northern Kentucky. 

They are government owned foreclosures that are open to owner occupants before they are available to investors.

This is a question that is best answered by your local government offices :)

Then the refund of all fees paid and three times damages (not sure if MN has that or not) and a federal fair housing complaint. 

Others have explained that the banks are not willing to take on the default and interest rate rise risks for these kinds of loans, but they didn't mention that even for 30 year loans a vast majority are sold to (formerly quasi) government entities like Freddie and Fannie.  

@Ben Lobaugh Our government owes you!

Note: Don't violate federal fair housing laws when you setup this requirement - see familial status protection.The reason that the BP Rental Application is worded like that is to prevent a large group of people moving into a small unit.

If allowed in your state you may be able to pay them a referral fee to, but this may be governed by your licensing law.  

The property still had to appraise.Now, down payment assistance cannot have funds derived from the sale, so this kick back method is not legal from a federal perspective.As to the question of having other assets encumbered, yes, that is done. 

The following is copied from disabilitylawco.org.First, although the ADA and the Department of Justice’s (DOJ) implementing regulations have limited a “service animal” to a specially trained dog (or in some instances a miniature horse), those limitations do not apply to the Fair Housing Act (FHA) or Section 504 of the Rehabilitation Act of 1973 – the federal laws that apply to housing.It means that people with disabilities may request a reasonable accommodation to allow an emotional support animal to live with them even if their housing has restrictions or prohibitions on pets.The issue then becomes whether the person with a disability needs the animal in order to have an equal opportunity to use and enjoy the housing or housing program.