The Banks as well all have slightly different guidelines for their refinancing programs.

Seems like all of the ones posted on BP are just people trying to funnel you into a mentor-ship program however, I should mention, I've only been to two.

Is it the process to be approved through the HUD Vash program?

For those of you who worked this program, I salute you!

Thanks for the input, would I be able to use the FHA loan program for this?

Once its programmed to capacity, you will find it a vital organ in your business model. 

Do your own calculation utilizing an actual paper form and by following the form instructions very carefully and see what you get.BTW - I use TurboTax and for some very odd reason Sch B was showing pennies on my entries, but nowhere else in my return did that happen all were rounded as expected.

We are working with a lender that a friend put me in touch with and I have no idea what program or loan type he is using here. 

A few years ago I was in an offer and compromise, but I was kicked out the program due to me not getting a payment in after having my payment sent back to me for not having the correct name on the money order.The last few months I've been working with a advisor on building my credit at the same time establishing my business name to build business credit.

The lender also told me that I would not qualify for a first time home buyer program for myself if I move to Atlanta next year.