Different banks have different overlays and most are more strict than the government minimums, although not all.

Typically, state or local law provides for when a utility can place a lien on property; typically, the utility must be provided by some government body for that to occur when the utility customer is not the property owner.

By profession, I'm a large commercial construction manager - building highly complex projects for the US Government.

The HOA rules only governed inside the curb line past the sidewalk .

With that being said, be sure to check out the NC State Bar (the agency that governs attorneys--e.g., grants and revokes licenses, etc): 1. http://www.ncbar.com/discipline/disorders.asp -- link where you can see if there is any disciplinary order against the attorney2. http://www.ncbar.gov/public/alternatives.asp -- link to the attorney-client assistance program.

Heck, even our government officials claim their vacations and get caught.

The ones I am familiar with are limited to 50% LTV, some hard money lenders, and some government backed loans.

People run a lot of smack about CA and rightfully so when politics and government enter the equation, but you have to take the bad with the great I guess.Hope you stick around and stay active.

They are not dependent on their families, their employers, or the federal government.

@J Scott I haven't read it, but I guess I'm on a roll right now against the government telling all of the stuff that is "illegal".