HOEPA imposed onerous penalties for loans that were classified as " High Cost Loans"   HOEPA would also rescind (write off) a loan if it was determined that the lender had not documented the Borrower's Ability to Repay. 

Reading a tax book, it seems that I need to document each and every receipt and mention who I met with ,etc , etc.

Build a track record, document it, and get the word out.

They ask for all my RE owned, name and account info for all my assests, all my other mortgages, etc.They are asking for %20 down, plus 2 points, plus a 1200 "application fee" for documents and inspection, @ 12% for 12 months.Is there something wrong here?

Is this document public record in FL?  

usually it means either:1) that they have over-drafted a bank account, and now can't get another2) they don't have enough of the required documentation to open a bank account

The owners are disabled persons as indicated in the documents.

Just wanted to see if anyone had any experience with this before and give me some great news cause it's a great deal!!

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They sent me an email not even any written sent me to me documentation and didn't even let me do a hearing.