This thread has had some activity! From what media artist has said, it seems that the program has been taken advantage of. I am thankful for the program. I feel I used the program responsibly and with out it, I would not have passed the 1 year mark of home ownership. Instead, it would have been a lost opportunity and I would have shelled out another $13,200 to a crappy landlord.
If used as intended and responsibly, it is a great program. I haven't had the time or desire to research and review its current status, and its terrible to learn that those that are using it irresponsibly could potentially ruin for people like myself.