There are other loan programs you may qualify for.

We have been using the contact info listed on 21st Mortgage Cash Program's "resources" page. https://www.21stcommunitylendi...My question is this - does anyone have a ballpark idea of pricing from the factories vs. what our local dealers advertise?

There have been Federal and State programs for home owners out there for a over 20 Years. 

The wife is currently working with charities/governement programs to help them with the rent but there is no update yet.As of right now, the husband still has not been released from prison. 

There are all kinds of first-time buyer programs, and they should be able to get a much better interest rate than you can. 

There is a program to buy these dumps for a very small amount through the County because they want to get the houses fixed and on the tax rolls. 

They have a big portfolio of lenders and more than 4000 programs.

They can be easily jimmied, a window can be cut or broken, you leave the windows open for ventilation, your kid forgets to activate the lock on the way out the door, you change locks but forget to change the garage door code that's programmed to the previous renter's car, etc. 

I knew I'd rather pay someone or pay for a course than follow that course all the way through rather than taking bits and pieces of lots of programs (which wouldn't be a bad thing to do...just depends on your style). 

One way that may work for you is through FHA's 203K program.