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This is the last week to qualify for the tax credit! Here are the details to get you up to speed.
If you’re a first-time home buyer or haven’t owned a home for three years:
You are eligible for an $8,000 tax credit. Remember, this is not a deduction, it’s a true tax credit. For example, let’s say that after you do your taxes next year, you owe the government $2,000. If you qualify for the $8,000 tax credit, instead of having to write a check, the government will write one to you…for $6,000.
Important deadlines: You have to have a home under contract by April 30th and you have to have closed on it (purchased it) by June 30th.
If you are a move-up buyer:
This is a tax credit for people who have lived in their homes for five years and want to buy a new house. And when I say new, I don’t mean new construction, I just mean new to them. These buyers are eligible for a $6,500 tax credit.
Important deadlines: You have to be under contract by April 30th and you have to have closed on it (purchased it) by June 30th.
All of this tax stuff can be really confusing, I know. So if you have more questions, don’t hesitate to send me a quick email.
How’s the Market?
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The latest statistics brought a ray of sunshine into the Atlanta real estate market. After more than two years of dismal news, finally something good. Read more
Should I Wait for Prices to go Down Even More?
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One of the biggest mistakes a buyer can make these days is waiting for the bottom of the market. All indications are that we are already there, or headed back up.
Is it possible that you may get a better deal on a home if you wait six months? Yes. But it is much more likely that any gains you might realize will be wiped out by higher interest rates. The one thing experts seem to agree on is that interest rates will be at 6% or above by the end of this year.
Click here to take a look at what happens to your monthly payment when rates go up just one point.
In other words, waiting for a $10,000 price drop could cost you twice as much as you save!
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