U.S. Department of Housing and Urban Development (HUD)
One thought to you ...if you do not understand something...KEEP ASKING.
Resolve, do not be intimidated and do not feel inadequate or dumb. make that call again to who?
HUD.... Go to the source luv and keep asking until you understand..FULLY...be4 you purchase.
Do not RUSH....
Speical Note: Irvington, NJ is not what it use to be; But it truely need special attention-educated, caring and business oriented minds, in order for it to prosper.
Never purchase property (((BLIND))). Hint: Fight for answers in writting. Words mean nothing in regard to real estate. You might have to pay the local office a visit. :)