I did this many years ago and I was lucky enough to have a good lender helping me. You will need to contact FHA and go through the paperwork and hoops. You will be dealing with a government agency and that can be mind numbing, since the government has gotten much worse in the last few years I can only imagine how awful it will be now. Good luck, you will certainly need it.... more
The seller of a house is unlikely to share with you the other offer as that would be revealing information that can hurt in their negotiations. I have once told a 2nd agent the name of the agent that brought forward the offer, but otherwise I would not advise my seller client to share anything else for information. REALTORS are bound by the code of ethics, which prohibits lying about the existence of another offer, though I am not saying that they have never lied... it happens in every profession.
If you do not trust your agent you should confront them and see if you can build reassurance. If you cannot, then you should speak to their broker.... more
Since I don't know about your specific development, I can only speak to what I've seen as an appraiser and Realtor. Townhomes do not need to be on the approved list by FHA - condos do. So while your townhome may look like a townhome, it's probably actually a condo.
You can check to see if you association is listed as 'approved' on HUD's list of condos:
It may have been at one point and that's why some people have FHA loans, but then rejected by FHA for some reason now and thus the reason why you can't get an FHA loan on your place. Hope this helps!... more