Naoma Doriguzzi's Q&A

the owners estimate is just than - an estimate. 

You can go up to 90% LTV for a cash out refinancy or home equity line of credit

The only one that I know of is the Reverse Mortgages - if you are at least 62 yrs or older.

Here is some information on the 8000 tax creditThe form to submit with your tax return is the 5405 first time homebuyer credit.

If you are on the deed that means you own the property - just not responsible for the mortgage. 

Jon - talk to Charlie my husband.  That is what he does.  [comment removed by moderator for being self-promotional]

I would look at experience, closing turn times, and fees to compare.  You are right FHA is pretty much the same as far as requirements however, the service is something that I would check out.  You can put a request here on Zillow

Try Jason Sardi He is the best lender in PA that I know of. 

Your interest rate is what you pay on monthly. The APR is what the cost of the loan is in a percentage - it has nothing to do with how you figure your monthly payment

Definitely do your homework.  Cheaper isn't always better.  Find out who is going to be there for you during the process and compare your good faith estimates.