There aren't any more, or less, surprises with an FHA loan than any sort of conventional one.

Next time they call, they've had some "unexpected expenses" come up, and now they have 4 to 4 1/2 months rent available, and still don't see the need to fill-out a credit/work history application.

You would be surprised how many people will accept a prevailing attitude or practice to be the law or "the way it works."

I talked about in my webinar that new construction comes with more certainty and less surprises.

I'm not surprised to see a developer go in and build out a subdivision or two if they can find the land to do it.

So all I knew was, what I could and was willing to afford I saw the numbers in front of me....There were NO unexpected dollars needed simply because the car was fully under warranty, my maintenance was include in my payments.Buying a pre-owned vehicle leaves room for the never-ending surprise repairs and or maintenance....

With that being said, it's not surprising to hear of someone being creative and/or seeking more security.

Price is surprisingly (to me) robust.

In fact I would be very surprised if they had that as it is basically a pre-payment penalty. 

I am not sure if that exactly proves demand, but it did surprise me.Thanks again for your input and anything else you can think of.