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Amendment Includes $6,500 Credit for Current Homeowners *

• The current $8,000 federal tax credit for first-time homebuyers is extended to April 30, 2010.
• A new tax credit for certain existing homeowners has been created. The amount of the new credit is $6,500. To qualify, an individual must have owned and resided in a home for any 5-consecutive-year period during the last 8 years prior to purchase of a new home.
• To be eligible to claim the $8,000 credit, first-time buyers must enter into a written binding contract for purchase before May 1, 2010 and must close on the purchase before July 1, 2010.
• To be eligible to claim the $6,500 credit buyers who have owned and resided in a home for any 5-consecutive-year period during the last 8 years, must close after the date of enactment (November 6, 2009), and prior to July 1, 2010.
• The new law increases the income limitation for homebuyers who want to claim the credit. The income limit for individual taxpayers has been increased from $75,000 to $125,000. The income limit for joint filers increases from $150,000 to $225,000.
• To qualify for either credit, the price of the home being purchased cannot exceed $800,000.
• In addition, members of the U.S. Armed Forces who have been deployed overseas will have an additional year to qualify for the credit –until April 30, 2011.

Owning vs. Renting

Owning A First-Time Homebuyer is any U.S. citizen who has not purchased a primary residence in the past three years. Tax benefits Everything in your new home is under warranty New, quality construction and building standards Brand new appliances and top-quality fixtures

Renting NO  return on your investment NO  pride of ownership NO  tax benefits NO  warranties NO  stability NO  equity And it will never be your home.

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