Maryland. Department of Housing and Community Development. I have to be the primary tenant in the property. I cannot rent out the property under the program rules. I tried to refinance the load but since I am under a lot of banks will not take my request on. And when I do refinance or sell the property, I will have to pay the state of MD 10k for deferred settlement part of the program rules. I did not have to put a down payment or pay for closing cost. My question is, - is there a bank that you know would refinance my loan? Or a government program that will.

Please advise.