BUT I was looking at their lender by state and New York shows they offer a program to get a line of credit.I would assume that means they don't loan in NYS.

Unfortunately, they didn't have flood insurance because at the time the community was not part of the national flood insurance program or something like that and the chance of flooding was considered very, very rare - not 7' worth in the basement!

Have you looked into first time home buyers program or FHA programs?

I just want to know what it is.My earnings after tax is about 24-28 a year, (cause pretax don't exist to me),with no money in the bank I decided this year I am going to save some, The dollar a week program, so at the end of the year I will have about 1,300. providing nothing happens to my employment, But a factory is never any thing to plan a promised future on.

If so, what are some good (affordable/accurate/user-friendly) accounting software programs?

Just thought I'd check in and ask how you like the program? 

She has a fitness studio now where they have a variety of fitness programs, including kickboxing, self defense, etc.

I'm sure you can inform him the benefits of doing a SS, letting him know there are some cash for keys program, some listing agents offer rebates back to the sell ect.

Don't know if you found an answer to your question, but you should check out the AHP program of Federal Home Loan Bank of Atlanta.  

Does anyone else offer similar programs?