Great News! 

The $8,000 First Time Home Buyer Tax Credit can now be used for your down payment.  THIS IS HUGE and VERY SMART!  Paying down your mortgage is one of the best uses of this tax credit.  

Previously, borrowers had to wait until they filed their 2009 tax return or amend their 08 return, and then at that time, the likelihood of these funds going to reduce their mortgage debt was slim to none.  More than likely, these funds would probably go for a new car, boat, flat screen TV, vacation, etc.. (depreciating assets).   

If you have a job and decent credit, I just removed your last objection on buying a home in todays incredible market - 'I haven't saved enough money up for that down payment or closing costs!'  

We can use the $8k tax credit for your down payment and negotiate to get the sellers to pay for your closing costs.   To MAKE MONEY in this real estate market, call Today, before it is too late! 

Derek Gutting, The Gutting Group, Keller Williams Realty  317-846-4888 direct  www.guttinggroup.com