Hi I live and work in Wise County. THAT is a great question! First and foremost, to get the most up to date and accurate answers (because ALL of the programs are changing October 1st, 2008) you need to find a reputable lender in your area. IF you do not know one or have a good working relationship with your personal bank, try giving Julie Wallace at Premiere Lending here in Decatur a call. She works loans in several surrounding counties. Email me and I will give you all her contact information. I look forward to hearing from you.