I came from your position meaning I ruined my credit early on and then rebuilt after I woke up. i would suggest you learn about FICO score over credit score as that is what financial institutions take consideration of.

After spending some considerable time searching through government websites, I haven't yet been able to crack the code. 

Taking into consideration the homes you have bought that are more new, as well as all roof materials you have encountered...

The starting bid is $5K which will probably go up significantly as the auction period draws to an end.

The EU is going to fail as the Euro was drawing near parity with the Dollar in January after a long slide down from the High in May of 2014.

You can most certainly collect earnest money, draw up a purchase agreement with an option period and then bring it down to the local title company and begin search, inspection, survey and etc...I bought my house without any realtors involved.You won't believe how many houses I've looked at, that the realtor is in shock about the condition and admits they've never stepped foot in the place.Buying property isn't rocket surgery.

@Raymond Wu  First off, I'm licensed in a different state, under different laws, so take the advice I'm giving in consideration of your local laws.Basically, you're in a really tough spot on this.

All of the neighbors will lose 25 ft of their yards , and they want considerable ( 5 figures) money to do this .

It is a general number and does not take into consideration the specific aspects of the property.

Since you obviously don't pay anything (other than smallish paperwork fees to open) until you actually draw on the line, it seems to me to be a no-brainer to have open and available for when the time is right.