The Fannie Mae guidelines are available on-line from Allregs.com and yes they can be read.

Search online and this forum. the information is out there just need to find it. also ask friends and family if they ever purchased some items in the past and read those... i told my parents about my plans and my mother bought a couple of programs in the past where i learned some howto stuff... also on these forums there is a forum dedicated to rate books and other investment tools to see if they are worth it. do more online searching than anything... make sure u dont buy something for it just to collect dust. find out everything for free while u can and make a decision if you really need to buy a book. check out creoline.com also. it's a creative online investing site they advertise products there too but i jus read the free articles.

Does anyone have any recommendations when it comes to lenders (specific banks, credit unions, online, etc.)?

It's not easy...you can water in the zone surrounding the house for an hour in the middle of the night and chasms may open up in the heat of mid-day.

But i don't want to wait years, i want to get in as soon possible and what i failed to say last time is that if i was looking to buy into a property with the aim of either living in it for a few months while doing it up, or simply working on it weekends and week nights what are there realistic mortgages that allows me to do this without the 10% down (sliding scale so small payments for first few years).

What better way to capture buyers than to offer them a ca$h reward just for purchasing a home through our Mortgage Company... just our way of saying "thanks" (Rewards are between $1,000-$10,000 depending upon the purchase price of home) We offer in-house underwriting with the ability to broker out when it best suites the buyer, online application available to buyers 24/7 @ http://www.deekumapayi.maverickmortgage.com, professional and timely service, on time closings - no stress process for buyers and realtors, we also offer Mavericks "WOW" customer satisfaction, integrity, knowledge of products, and HONESTY.

Some county clerks put the public records online, which really saves on time.

I found a home in Wichita Falls, TX --- and its priced significantly below their tax appraisal (which i can look up online) - its also below per sqft what other houses in the immediate vicinity are selling for.

I just want a decent place to live, as I think the people at the public library are getting tired of finding me in the middle of the night making a home out of the bathroom stall floor.

The lights are on till at least 10 at night many nights.