I'm curious what you think? I've just been filling out the pre-application packet. The one that you gather all the information before it gets to the counselor, before they send it to the underwriter. Okay so I had questions before I sent in all the personal information. Got them answered and the lady was very knowledgeable. What I want answers to is this: When she says that I will have a lien on my home for five years at 20% and it's a 100% forgivable loan - BUT should I move or sell the house say in the next three years the government will get it's money about 40% - because I would have already been forgiven at 20% a year; exactly what does that mean? Sorry but I don't get it and no matter how many times this gal explained it? I wasn't going to. In YOUR experience with this is it a good thing or is a BAD thing to have a lien on your home - I'm basing this on - I have no job, no great outlook/prospects today, I have no unemployment, and I'm probably not going to win my case to get the 12 weeks back unemployment and in four weeks when I DO start drawing my pittance it's going to be noodles. So I'm not going to make the bills and I don't want to loose the house. I would however like to SELL this place and move - but how does having a lein on your mortgage affect your ability to get a loan in the future?