Up to an $8,000 home-buying incentive from the U.S. Government
plus the lowest interest rates in years when you buy now!

Am I eligible?
If you have not owned a home in the past three years, you may qualify. (That’s right, even if you or your spouse owned a home more than three years ago, you are still considered first-time homebuyers and may qualify for the incentive.)

Am I entitled to the full $8,000 home-buying incentive?
It depends on your modified adjusted gross income (MAGI).

How does the home-buying incentive work?
It is a direct tax credit that reduces the amount of taxes you owe. It's different from a tax deduction, which only reduces the amount of your income that is subject to tax. If your eligible tax credit is more than what you owe in taxes, the balance will be refunded to you.

How long does the program last?
The federal home-buying incentive has been extended. The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.

Income Limits...
For sales occurring after November 6, 2009, the Act establishes income limits of $125,000 for single taxpayers and $225,000 for married couples filing joint returns.

The income limits for sales occurring on or after January 1, 2009 and on or before November 6, 2009, are $75,000 for single taxpayers and $150,000 for married taxpayers filing joint returns.

For additional details on the federal home-buying incentive, visit FederalHousingTaxCredit.com.

Visit us today to take full advantage of this unique opportunity!