Also, shouldn't the lender approve the builder as well, prior to appove the loan to a borrower?

A lot of my clients come up with 25% down by pulling off a HELOC from prior projects.

Review all of the closing documents at least 3 days prior to closing.

But that is because it was your primary residence for those two years prior. 

@Jonathan SachettiYou would need to pay off the entire loan prior to that date.

How do I find who owned the house prior to 1990?

Again the vacant Unit was already nice, but there were just some things missing, like the prior owners replaced the kitchen countertop, but left the cabinets as they were. 

The Secretary of Housing and Urban Development is both the owner and plaintiff and seeks to recover possession in order to vacate the property prior to sale and has complied with all tenant notification requirements under federal law and administrative regulations.13.

You can go back and amend prior years to show the income.  

I have some prior real estate experience through my own purchases and currently hold other properties not counting my primary residence.