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Wisconsin Home Loan.net
Need a VENTLESS
Purchase a home no down payment....BANKS DON'T DO THIS!
click here to apply online secure
Do you have credit scores in the
Single Family Housing Guaranteed
Loans - 100% No Down Payment, Low
15,20, 30, 40 Year Fixed Rate, All One Loan, No Monthly Mortgage Insurance, No Pre
Payment Penalty! PURCHASES ONLY!
Home Owners Insurance: $500 to $700 (Credit Score, History)
Earnest money: $500 to $1,000 (Realtor) * Credited back on closing statement
With a Water Test: $250
to $500 (Mostly for Rural locations, Water wells)
First-time Home Buyer Tax Credit
The tax credit
available to first time home buyers was increased from $7,500 to
$8,000 for homes purchased between January 1,
2009, and December 1, 2009. Also, the credit no longer needs to
be paid back as long as you live in the home without selling it
for at least 3 years. The previous version of the credit expired
on July 1, 2009, and required home buyers to pay the funds back
over a 15 year time frame. The income limitations remain the
same ($75,000 for single tax payers claiming the full credit and
$150,000 for married tax payers), as do most other qualification
requirements. Also, the credit remains refundable. This means
That first-time home
buyers who owe less than $8,000 in taxes for the year are still
eligible for the full $8,000 credit when they file their tax
returns. In that case, the IRS will write you a check for the
difference between $8,000 and your actual tax bill. In fact, the credit can be claimed on your 2008 tax
returns that you file by April 15, 2009, even if you buy the
home in 2009. There is one catch, however: if you bought the
home in 2008, the credit remains $7,500, and it still needs to
be paid back over a 15 year timeframe beginning in 2011 when you
file your 2010 returns.
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