Mine was a block from a main street and on a corner, making fire access better than some areas with a fire hydrant across the street.I would recommend that you ask Coldwell Bankers Realty in Lake Arrowhead about companies that insure in the mountains. 

You pay a little more, but not nearly as much as the big 3 (KW, re/max, coldwell/MB/whatever) and get great support.

Not sure if you can get anything from the American Banker's Association, or Broker's associations.

Getting qualified is like any other loan; you start building relationships with both private lenders and commercial bankers.  

That way you don't have to call the banker and say "I can't make the whole payment this month".   

Only their accountant, banker and other people at their level know.

My best advice, go see a mortgage banker/broker and see how they might go about structuring the deal.

Do not trust the bankers or anyone who works for them.

As an aside, my banker friend told me that 200K loss on a house was a lot and unlikely to be approved by the bank since they could sell it for more on the open market given the current demand.

In the '90s the Resolution Trust Corporation (RTC), set up and funded by the US Gov't (ie; the taxpayers) bailed out the bankers who had made the bad loans, the developers who had taken on too risky of ventures and the PMI companies who had backed those risky loans.By mitigating the losses for those parties they saved some people from being civilly sued, prevented some criminal prosescutions and made sure that many of their "friends" got preferential treatment when it came time to buying the real "wholesale" deals.We had looked at a condo development in Houston on the theory that we could get the entire place for about $3K PER UNIT.