If the bank had extra funds and considered you a reasonable credit risk, they would lend you the money from their funds.

Lead poisoning is also an issue that buyers and sellers need to consider. Houses that were built before 1978 probably have paint that contains lead.

If you understand your motives, you will be able to better negotiate and get what it is that you want.

With the burst of the housing bubble, credit crisis, and millions of foreclosures across the country.