Huds escrow program is for FHA loans that require minimal repairs.

Depending on where you obtained the credit report, many portals working directly with the agencies will offer the agency programs which allow a consumer to pretend to pay down or off other debts to see the score impact.  

All that being said I have come in contact with someone here on BP who claims that I can learn all the secrets to smart RE investing through a paid program.  

I have completed the Allied School CA RE course and I am very happy with them and how their program prepared me for the license.

My day job is System Engineer/Administrator and I'm very knowledgeable in IT matters, I also am currently in an mba program.

If you went to school a little while back and your rates are really low, maybe there's a little less urgency there.More importantly, if you're in public service, I pretty sure there's something called the Public Service Loan Forgiveness (PSLF) program.

To be an FHA direct lender you need to meet the following requirments: 1)Certified original audited financial statement with adjusted net worth of at least $250,000 that has been prepared within the last year.2)A senior corporate official showing at least 3 years of experience handling FHA affairs (loan origination and servicing background) 3)Multiple credit and background checks to verify legitimacy of the heads of the institution.4)$1 million warehouse line of credit or equivalent funding program to show liquidity and lending power.5)Business plans, quality control plans, E&O insurance policy, sanction letters, fidelity bonds and other formalities to provide security.As you peel the onion it makes more and more sense why some lenders offer certain services & products and why others simply don't qualify to do so.

I recently made contact with Phil Pustejovsky's 'FreedomMentors' real estate mentoring program.

I did not fully commit to their mentoring program because they pitched too hard and because I lacked sufficient capital to purchase the only program I felt was worth something to a person who knew absolutely nothing about real estate: $22,000.

One is a CA tax proposition, the other is a federally funded housing program administered by local housing authorities.