Mortgage rates declined to their lowest levels in over a year, a sample of more than a dozen industry professionals said they were quoting most borrowers in the high 5% to low 6% range on government loans and in the mid-6% range for conventional mortgages.

So make sure the reasons aren’t protected reasons and be prepared to defend those reasons to the government. 

Many buyers will not sign the first form, so buyer agent will have to get fee from seller or seller's agent with no promise of getting that when first adopting the buyer client. who knows how it will shake out over time, but other trust busting verdicts/government actions usually lead to more efficient transactions for the consumers, ie. lower prices of fees.

Maybe they cater to the government and are used to just spending tax payers money with no responsibility. 

In most places some utilities are provided by the local government.

Taxes are likely to go up in the future due to government entitlement programs.

Hi Melvin,Origination charges = 0 [Covered completely with lender credits]Services you cannot shop for = 2725 [This is the VA funding Fee]Services you can shop for AKA title work = 1723Total Loan Costs A+B+C = 4448Taxes and government fees = 3279 & G Prepaids and initial Escrow at closing = 10007Total cost including escrow = 14455

Ask questions, be careful of second liens like government loan or assistance down payment.

In the mean time, we can help the U.S. obesity rates by faxing documents so that government workers can get up from their desks and walk to the fax machine.I got an account at eFax.com which came with a fax number and I can receive 10 pages a month for free.

Tax sales are a balancing act among (1) the need of government to collect property taxes and, if owners will not pay then, then to provide incentives for investors to purchase the tax rights and (2) investors, who need an attractive return for the risk they are taking, and (3) citizen taxpayers, who should not lose their property and all equity because of small debts and perhaps temporary or at least relatively short term financial difficulties.