Yes I call them morons, because 99% of the wage earners in this country have no clue, that the government is giving them an allowance called a pay check.

Whatever your feelings are about debt for yourself, a great concept to recognize is that other people will indebt themselves enormously (and banks and the government and family members will assist those people in indebting themselves) for the purpose of buying a place to live.  

I briefly browsed the internet, but there is so much conflicting information...where is the best source (government agencies included) to look for the information?

They have my SSN on government documents.  

Give them the three lowest “active comps” of similar properties nearby.Give them the three lowest “sold comps”.Give them the zillow link of the property.And if you can get property information from the county assessor’s office, print that into a PDF.

Google "probate + your county" and see what comes up.They are printed in the newspaper here but the probate court is where I got that information.

http://www.latimes.com/business/la-fi-fannie-mae-freddie-mac-mortgage-downpayment-20141208-story.html3% down government loans will be back for first time home buyers.

I don't think Obamacare will totally go away but I think the hope is parts of it can be changed that are detrimental in the coming years.It was explained that say you qualify for a subsidy when the policy is written but mid year your income goes up then the government would want the money back that was credited in the subsidy.

Also, there are more government enforced regulations to protect you.

In watching the foreclosure proceedings here (which are educational/entertaining/addicting) the biggest reason for a foreclosure getting kicked, and having to start over, is if they actually have a trial, and the "witness" for the plaintiff, which should be a rep of the servicer, doesn't have all the proper paper work, and more importantly can not speak to the "accuracy" of the payment history print out and explain their "industry standard business practices, controls and procedures".