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On February 17, 2009, President Obama signed important housing legislation that revises and extends the tax credit provisions of The Home Recovery Act of 2008, designed to help home buyers and strengthen the housing finance system.

What You Need to Know About the First Time Home Buyers $8000 Credit



The Department of Housing and Urban Development issued guidance that opens the door for FHA-approved lenders to provide short-term loans, with restrictions, to borrowers who are eligible for the $8,000 first-time home buyer tax credit. Borrowers must still come up with the required minimum 3.5% down payment using their own funds. But after that, they can use the short-term liens to increase their down payments, cover their closing costs or buy-down their mortgage rate. Calling the tax credit advance "another step towards accelerating the housing market," HUD secretary Shaun Donovan told the National Association of Home Builders’ annual spring board meeting in Washington that the initiative is a "real win for everyone." The NAHB estimates the advance will lead to 160,000 more sales — 101,000 to first-time buyers and 59,000 to move-up buyers who are selling their current residences to first-timers. Tax credit loans made by state and local housing finance agencies, government agencies and certain nonprofit groups can be used to cover the minimum 3.5%. However, non-profits that receive fees from sellers cannot provide downpayment assistance under this program. HUD didn’t want to do anything that would allow "these seller-funded schemes back in," a senior HUD official said. The department has issued a mortgagee letter (2009-15) with guidance on acceptable interest rates and fees. "We are putting in place the necessary safeguards and consumer protections, and if monitored the right way, tax credit loans can be used efficiently and safely," secretary Donovan said. Source: National Mortgage News


A home is not a home because of its room dimensions or the color of the walls. It is about how you feel when you walk through the front door. And the way you can instantly envision your life unfolding there.

This is about more than real estate. It is about your life and your dreams.

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Keller Williams Real Estate takes a different approach to real estate, one that is built on personal touches, win-win deals and positive results. 

Judi Schaeffer utilizes the latest technologies, market research and business strategies to exceed your expectations. More importantly, she listens and that means she will find solutions that are tailored to you.

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Thanks for starting your real estate search with me. This website is full of information for you whether you are looking to buy or sell.

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Judi Schaeffer, Agent/Owner
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