Ideally, I would buy a parcel and build my own house from scratch, but I'm also looking at already built houses which can undergo a quick renovation.I own a small 60sq.m Federation house in a low-equity area which I plan on keeping to get a better loan offer.

My focus is to raise equity for issuers, and I am subject to regulation, both state and federal, as a result.  

I'm from the Baltimore MD area and looking for somewhere downtown close to Federal Hill - Fells Point.

I could get a conventional loan but I don't want to tie up a good chunk of of capital, that's why the low down payment of an FHA loan is so appealing.If you move out early, then its considered Mortgage Fraud (a federal offence).

````````````````````````````````````````````````````````````Garn St Germaine(d) Exemption of specified transfers or dispositions With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon— (1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

Forced-air gas does let you have central A/C if you want it... maybe that lets you get rid of a window unit that's in an awkward spot or noisy or whatever.In 2009 there were some federal tax rebates for more efficient HVAC (or more insulation, better windows, etc) but I don't know if those are still available... the furnace salesman should know all about them. 

One such scam just netted a Federal Indictment for 6 investors in New Jersey.

THAT is a violation of federal law.

To name a few.Upen Patel, Mortgage BankerNational Lender, Federal NMLS# 1374243 Thank you for that.

Check www.dsireusa.org to see what local, state, utility, and federal programs that fit your situation.