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Here's the skinny in simple terms: The tax credit is for home buyers (either spouse if filing jointly) who have NOT owned a principle residence during the three-year period prior to the purchase. Ownership of vacation property or rental property does not disqualify home buyers from this program....
There are many "professionals" who have come out of the woodwork making a business of doing loan modifications for people. Some are doing them illegally and some legally. Buyer beware! I have blogged about it before and in this blog, I want to simply give you the easy steps that you can do yourse...