My 'niche' has turned out to be good applicants without credit scores.

Yes, there are only certain neighborhoods in Baltimore City where the CHAP Tax Credit is applicable.  

You'll find an assumed name application with the Secretary of State's office.

Occupancy, Preservation, Maintenance and Protection of the Property; Borrower’s Loan Application; Leaseholds.

I also believe a UCC filing is only applicable to equipment/personal property (even though it may be attached to Real property, like a water filtration system), not Real property.  

When recording a transaction in the reference or check number field add one of the following:- check number- Cash- Debit- Credit- DBT- Visa- MC- Discover- PaypalIt is limited to 8 characters.

This should be in a letter of explanation with your application.

Why not just make him an applicant along with you?

Nope, application denied.

I realize they will be higher but if someone has gone thru this and could share the rate, fees and termIve started with in state local banks which charge about $1000 for application and appriaisalsThe aboout 1.5% over primeSo if anyone has what a typical fee would beAnd what to expect about rates over Prime (for LOC)Havent found anyone that would do what I ve seen discussed about using a Fannie product and putting a 30yr loan on itThe price we paid was 92,500 and looking for 70-80% loanThanks for the help