Takes out a big mortgage since it costs a lot to buy a nice house. 

Skin in the game is worth a lot to investors.

The paperwork is more than I expected and its a lot to keep track of (for our first go around).

So if I decide to back out of this deal the seller might try to keep my $2k deposit and we might end up in arbitration.The way I see it, it might cost $4-5k to demolish the driveway and that's also the fair market value of the entire vacant lot to the South, not just the strip that the driveway sits on.

I've pleaded the cost of them just to move it over letting me have it at a fair price hoping they would rather make money than pay a lot to come get it.

The IRS will send you the transcripts but you need to get owner permission first.https://www.irs.gov/businesses/small-businesses-self-employed/third-party-authorization-purposeGas station the money is in Lotto, cigarettes, all the wine, food, etc.  

He will not give them authorization to speak to me.The man I purchased the home from is saying if I sign the deed back over to him this will all go away and added he states should he be able to get refinanced at another institution he will sign the deed back over to me....that is a lot to ask from a single mom who has worked her butt off to provide this home and school district for my kids.

They are essentially a MLM co that charges you a lot to get into and pays you for referring new victims, I mean customers, to them.  

But mortgages (especially in Canada, can't speak for US) are very complicated, and getting a deal done now a days isn't as simple as clicking a few buttons and submitting a few documents.In addition, there's a lot to learn in terms of choosing the right solution (a lot gets put on the rate & variable vs fixed) but there's about 10 other significant factors than add to the bottom line. 

If they are going to be lazy. skip steps, do a half as% effort then they have a lot to lose.If the first commission check is 50,000 then they have already paid 25,000 so would get the full 50,000 as an example.Unfortunately most of these mediocre brokers and agents do not have hardly any money to their name and want you to TRUST their words.