@John McCormack I know of some insurance programs that run around $80 per month for $1M E&O. 

I don`t know what to tell you but to hire a good lawyer and appeal the verdict. if you stuck, try to call your local newspaper or TV and see they can do a program on this.

Are you talking about the first time buyer financing programs?  

Look for a down payment assistance program to cover the majority of the 3.5% down payment (varies based on your state).

It's a fantastic way to learn.Per program rule, you need to live there for a year, but that will give you time to learn about landlording, etc and you'll live for free so you can easily save up for your next purchase!

I was just hoping someone could give me a little advice or possibly some referrals on who to contact or where to start looking for a mortgage lender, I plan to use the FHA program buy the way or hopefully talk to a lender and maybe look into some other low money down options.

Not all conventional lenders are familiar with this program, but it is a Fannie Mae back loan.

Anybody have any ability to review row and cons. Is this system worth doing to get started. 

I have never heard of a lender not being able to offer the full FHA program so it may be something with your qualification 

I am wondering is there any banks/lenders in Philadelphia area that have similar program without BPMI?