The "for Dummies" series is usually a good place to start, and they're usually available at your local library. 

Usually they will either make repairs or give a small dollar amount concession toward closing costs.

Late in a market home ownership is usually maximized by legislation. 

Sure, I don't usually receive the payment for about a week later but at least I receive it and I don't worry about it.  

Not sure why you're looking for the last catalyst to trigger the next round of contraction... that's usually not the case.

Also many old tools in walls over the years; usually tape measures (old fashioned kind that fold out like rulers), planers, levels, flat bars, crow bars, nailsets, hammers and such.

You can usually view the inside and do inspections like any other purchase. 

In a condo development the HOA will take care of roof, walls, grounds, cable, water, wi-fi usually.

There are closing costs just like any other loan but they are usually much less for a refinance because there are no commissions or taxes being paid.

And this doesnt include our phones ringing constantlyI didn't spend a dollar on these leads and they are the best quality lead possible.No one has access to (most) of these leads, as usually a good % of these people when they come to our site they do not bother finding more sites as our site even if I say so myself, is quite good!