I've lived in Northern Virginia my whole adult life, so I'm used to a local economy that's heavily propped up by government jobs and infrastructure...

I am a Financial Analyst and have the skills to manage the finances as well as do forward looking analysis to evaluate the financial impact of the association's decisions.After getting the hang of the book keeping items, collecting fees, blah blah....I began to (per advice received on BP) get comfy with the declarations and by laws and making sure we are compliant with the governing body of documents.That is where I ended up on the phone with the insurance agent. 

However, that's only good for conventional or portfolio loans, not government loans like FHA. 

I want to share this new website that is currently in the beginning stages.Create is a website that pools together data from local government codes, tax assessments, surveys, and planning.

The tightening of the mortgage regulations in 2012/2013, of which the Minister liked to boast, was no more than a return to what existed before the government relaxed things.CMHC is close to fully subscribed - and this is after an increase in their limits for which the lenders lobbied, so they will soon have to start refusing to underwrite some deals. 

You can make the same claim about any governing organization.

Or, is it the person who is going to buy a property at this months tax sale on their government "fixed income" check?

Today, you have more to worry about than just the DF Act, there are dozens of laws applied to financed transactions, and personal views as to them being fair or constitutional or politically correct as to one's thinking are totally irrelevant, laws and regulations apply and if you don't follow them in finance, you can have consequences.There are many more federal laws pertaining to finance than real estate, state laws generally govern real estate.

I also work for the Federal Government full time.

You might need to clarify the status of your license (if differences exist in CA) to get the same answer from two different government bodies.