NAR Frequently Asked Questions 

Homebuyer Tax Credit Changes 
National Association of REALTORS® Government Affairs Division 
500 New Jersey Avenue, NW, Washington DC, 20001 

Here are some of the most frequently asked questions on the changes to the Homebuyer Tax Credit 

Question: Existing homeowner credit: Must the new house cost more than the old house? 

Answer: No. Thus, for example, individuals who move from a high cost area to a lower cost area who 
meet all eligibility requirements will qualify for the $6500 credit. 

Question: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a 
new home. I have lived in my current home for more than 5 consecutive years and 
am within the new income limits. I will go to settlement on November 20. If 
President Obama has signed the bill by the time I go to settlement, will I qualify for 
the new $6500 tax credit? 

Answer: Yes. The existing homeowner credit goes into effect for purchases after the date of enactment 
(when the bill is signed). There is no reference to the date of contract for the new credit. The 
provision looks solely to the date of purchase, which is generally the date of settlement. 

Question: I am a firsttime 
homebuyer but was not within the prior income limits at the time I 
entered into my contract to purchase on October 30, 2009. I will be covered, 
however, by the new income limits. If the new rules have been signed into law by the 
time I go to settlement, will I be eligible for a credit? 

Answer: Yes. The new income limitations go into effect as soon as the President has signed the bill. 
The income limit and other eligibility rules will look to your status as of the date of purchase, 
which is the settlement date. So if the new rules have been signed when you go to settlement, 
you should be eligible for the credit (or a portion of the credit if you're within the phaseout 
range). 

Question: I am an eligible existing homeowner. I have a fair amount of equity in my home. I 
have found a home with a nonnegotiable 
price of $825,000. Will I be able to use any 
of the $6500 tax credit? 

Answer: No. The $800,000 cap on the cost of the purchased home is firm at $800,000. Any amount 
above $800,000 makes the home ineligible for any portion of the credit. The $800,000 is an 
absolute ceiling. 

Question: I owned my home for 10 years, but sold it two years ago year and have been renting 
since. If I purchase a home, will I be eligible for the $6500 tax credit if I meet all the 
other eligibility tests? 

Answer: Yes. Because you lived in the home for more than 5 consecutive years of the previous 8, you 
will qualify for the $6500 credit. For example, Say John and his wife bought a home in 2000 
and lived there until 2008 when he got a divorce. Whether John has been renting or bought in 
the interim, he WOULD INDEED be eligible for the credit because he owned a home and 
occupied it as his principal residence for 5 consecutive years out of the last 8 years. The 
keyword here is "consecutive." As long as he lived in that house for 5 years straight what he 
did since 3 years doesn't impact eligibility. 

Question: I am an eligible firsttime 
homebuyer. I entered into a contract to purchase on 
November 1, 2009. Do I have to go to closing before December 1? How does the 
extension date affect me? 

Answer: You do not have to close before December 1. Once the legislation has been signed, it will be as 
if the Nov 30 date had never existed. Therefore, so long as the contract settles before April 30 
(or July 1, worst case), the purchaser will be eligible for the credit
 

Paul F Stillwaggon
Weichert Realtors
NJ Estates / Real Estate Group
55 Stirling Road, Watchung, NJ, 07069
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Paul (Direct) 908.561.5492 (Cell) 908.310.1358
     

 
OPEN SUNDAY 12-4 CLICK ON PICTURES FOR MORE PICTURES & COMPLETE INFO/ FLOOR PLANS
MORE OPEN HOUSES & DIRECTIONS IN LINKS BELOW

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French Inspired Estate
[6 Bedrooms, 4½ Baths]
52 Geiger Lane
Warren, Somerset County, NJ
$1,900,000 (By Appointment)
Click for information sheet Luxury New Home Avail. 60 Days
[6 Bedrooms, 5½ Baths]
126 OAKWOOD ROAD WEST
Watchung, Somerset County, NJ
$1,849,000 (Open 12-2)
Click for information sheet New Home Avail. 60 Days
[4 Bedrooms, 3 Baths]
91A MORNING GLORY ROAD
Warren, Somerset County, NJ
$800,000 (Open 12-4)
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Watchung, NJ 07069

Paul F Stillwaggon
Weichert Realtors
NJ Estates / Real Estate Group
55 Stirling Road, Watchung, NJ, 07069
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This 2 year old outstanding custom colonial built in 2007 must be seen to be appreciated. The gourmet Kitchen offers custom cherry cabinets, granite counter tops and a center island. The family room boasts a masonry wood burning fireplace that beacons all to come in an relax in front of the fire. On the second floor you will find 4 bedrooms, featuring a large master suite with large master bath with jacuzzi tub, walk in closet, plus 2nd floor laundry room and full hall bath.

NJEstates.net for luxurious and prestigious homes - Frames Reset

531 Park Avenue

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$775,000

Town: Berkeley Heights
County: Union

Style: Colonial
Bedrooms: 4
Bathrooms: 2½
Area: 2600 sq.ft.
Lot: 0.3 Acres

Contact:
Paul Stillwaggon
(908) 310-1358


Visit Berkeley Heights
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You can Email us at:
njestates@gmail.com
We are located at:
55 Stirling Road,
Watchung, NJ 07069

Paul F Stillwaggon
Weichert Realtors
NJ Estates / Real Estate Group
55 Stirling Road, Watchung, NJ, 07069
Web- http://www.njestates.Net
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Paul (Direct) 908.561.5492 (Cell) 908.310.1358
     

 
   
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8 HELEN STREET

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$629,000

Town: Warren
County: Somerset

Style: Ranch
Bedrooms: 4
Bathrooms: 3
Lot: 1.63 Acres

Contact:                   Christine Vosler
Cell: (908) 337-7872


Visit Warren

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This website is for information purposes only and nothing herein is intended as advice. It is not intended as a solicitation if your home is currently listed with a broker. It is not our intention to solicit the offerings of other real estate brokers.We are happy to work with them and cooperate fully. An Equal Opportunity Company. Equal Housing Opportunity. "The statements and representations contained herein are those of the builder, and not Weichert, Realtors nor Weichert New Homes and Land."
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Paul F Stillwaggon
Weichert Realtors
NJ Estates / Real Estate Group
55 Stirling Road, Watchung, NJ, 07069
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Paul (Direct) 908.561.5492 (Cell) 908.310.1358
     

 

It's more good news for the construction industry. McGraw-Hill Construction's 2010 Construction Outlook forecasts an increase in the level of construction starts in 2010 is expected to climb 11% to $466.2 billion, following the 25% decline predicted for 2009. McGraw's Outlook, a mainstay of business planning for construction and manufacturing executives, says the increase will result from improvement for housing from extremely low levels and broader expansion for public works.

NJ Estates
Real Estate Group


Paul Stillwaggon
November 2009
Go
LINKING THE LATEST TECHNOLOGY
TO OLD FASHIONED SERVICE

Copyright © 2009 Realty Times
All Rights Reserved.

"The U.S. construction market in 2010 will be helped by growth for several sectors, following three straight years of decline that brought total construction activity down 39% from its mid-decade peak," said Robert A. Murray, vice president of economic affairs for McGraw-Hill Construction. "The benefits from the stimulus act will broaden in scope, lifting not just highway construction but also environmental public works and several institutional structure types. With continued improvement expected for single family housing, after reaching bottom earlier this year, the overall level of construction activity should see moderate expansion in 2010." Highlights of the 2010 Construction Outlook include:

 

  • Single family housing for 2010 will advance 32% in dollars, corresponding to a 30% increase in the number of units to 560,000 (McGraw-Hill Construction basis).

     

  • Multifamily housing will improve 16% in dollars and 14% in units, after steep reductions in 2008 and 2009.

     

  • Commercial buildings will drop 4% in dollars, following a steep 43% drop in 2009. The weak employment picture will further depress occupancies, making it even more difficult to justify new construction.

     

  • Institutional buildings will begin to stabilize after losing momentum in 2009. Square footage will retreat another 2% after sliding 23% this year. The dollar amount of construction for this sector will edge up 1%, helped by a growing amount of energy-efficiency upgrades to federal buildings and continued strength for military buildings.

     

  • Manufacturing buildings will drop 14% in dollars and 3% in square feet, hampered by the substantial amount of slack manufacturing capacity.

     

  • Public works construction is expected to rise 14%, given more wide-ranging strength across all project types.

     

  • Electric utility construction will slip 3%, continuing to settle back after a record high in 2008.
  • The 2010 Construction Outlook was presented at the McGraw-Hill Construction Outlook Executive Conference in Washington, DC, which brought together top management from all parts of the construction industry including firms involved in building product manufacturing, architecture and design, contracting, engineering, industry associations and other industry professionals. At the event, Frank Giunta of Hill International and George Pierson of Parsons Brinckerhoff offered insights to an industry emerging from the crisis:

    "The stimulus funds are meant to be just that, a stimulus, not the be-all-end-all answer to infrastructure financing," said Frank J. Giunta, senior vice president and managing director of Hill International. "Both public and private sectors need to be innovative and rewrite the rules of project finance to address tremendous construction needs with minimal financing options."

    "The efforts of the federal agencies at transparency and their willingness to engage with private industry is refreshing," said George J. Pierson, chief operating officer, Parsons Brinckerhoff. "We have to work together to meet the challenges of infrastructure and this economy." Working together and meeting the needs of the real estate consumer will help the construction and building industries revitalize in 2010 and continue to grow years thereafter.

    [Note: For more information on the 2010 Outlook, go to www.mcgraw-hill.com.]


    Written by Peter L. Mosca
    November 4, 2009 

     


    Linking the latest technology to old fashion service. Our realtor's commitment, pride and extensive specialized knowledge has earned us a strong position in the market and we invite you to call NJ Estates Real Estate Group when buying or selling a home, @ (908) 561-5492. -- Contact Us


    - Back -




    Paul Stillwaggon,
    For All Your Real Estate Needs
    Contact New Jersey Estates
    Real Estate Group

    E-mail: njestates@gmail.com
    Web: http://www.newjerseyestates.net
    908-561-5492 (Paul S) 908-310-1358 (Cell)

    NJ Estates Real Estate Group
    Weichert Realtors

    908-561-5492
    55 Stirling Road, Watchung, N.J. 07069


    Equal Housing Opportunity

    Paul F Stillwaggon
    Weichert Realtors
    NJ Estates / Real Estate Group
    55 Stirling Road, Watchung, NJ, 07069
    Web- http://www.njestates.Net
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    Paul (Direct) 908.561.5492 (Cell) 908.310.1358
         

     
    ONE OF THE BEST, IF NOT THE BEST SUBDIVISION
    IN WARREN TOWNSHIP, MONEY'S # 6 BEST PLACES TO LIVE
    WE WILL HAVE FINAL APPROVAL AT SLEEPY HOLLOW OF WARREN
    STARTING IN SECTION # 2, LOTS 27.06 TO 27.14
    CALL PAUL STILLWAGGON 908-310-1358 (CELL)



    CLICK ON PICTURE FOR MORE INFO



    CLICK HERE FOR MORE INFO
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    Watchung Office 908-561-5492





    Paul F Stillwaggon
    Weichert Realtors
    NJ Estates / Real Estate Group
    55 Stirling Road, Watchung, NJ, 07069
    Web- http://www.njestates.Net
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    Blogs- http://activerain.com/blogs/genna
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    Paul (Direct) 908.561.5492 (Cell) 908.310.1358
         

     
       
     

    91a Morning Glory Road 
    $800,000.
    Introducing Pond View Estates at Warren, 1 of 4 Distinctive New Homes this one on a 1.04 Acre level wooded lot in the desirable community of Warren Township.
    WARREN, NJ

    Area: 3200 sq.ft.
    Bedrooms: 4
    Baths: 3
    Acres: 1.04


    Contact:
    Paul Stillwaggon
    (908) 310-1358



    CLICK IMAGES
    TO ENLARGE



    The interior of this home will offer all the amenities one could wish for: around 3200 Sq. Ft. of Living Space, Hardwood Floors, Granite Countertops, Trim and Moldings, Fireplace in Family room, large Walk in Closets, Unfinished Walk Out Basement, 2 Car Garage, etc.

    Conveniently located close to major highways and Shopping, perfect for your everyday needs.

    First Floor

    Second Floor

    Basement

    Front Rendering

    Side

    Rear Walkout
    Meet the Builder - Visit Warren



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       For further information Phone:
         Paul Stillwaggon  (908) 561-5492
    Cell: (908) 310-1358
    Geri Smith   (908) 561-5400
    Cell: (908) 391-3271
    You can Email us at:
         njestates@gmail.com
    We are located at:
         55 Stirling Road,
         Watchung, NJ 07069

         
         
    This website is for information purposes only and nothing herein is intended as advice. It is not intended as a solicitation if your home is currently listed with a broker. It is not our intention to solicit the offerings of other real estate brokers.We are happy to work with them and cooperate fully. An Equal Opportunity Company. Equal Housing Opportunity. "The statements and representations contained herein are those of the builder, and not Weichert, Realtors nor Weichert New Homes and Land."

    Paul F Stillwaggon
    Weichert Realtors
    NJ Estates / Real Estate Group
    55 Stirling Road, Watchung, NJ, 07069
    Web- http://www.njestates.Net
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    Paul (Direct) 908.561.5492 (Cell) 908.310.1358
         

     
    LUXURY HOMES READY TO MOVE IN
    1 TO 2 MONTHS IN WARREN & WATCHUNG AREA OF NJ

    CALL PAUL STILLWAGGON 908-310-1358 (CELL)


    CLICK ON LOGO & PICTURES FOR MORE INFO


    CLICK HERE FOR MORE INFO (SOLD)
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    CLICK HERE FOR MORE INFO(OPEN SUN)
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      Paul F Stillwaggon
      Weichert Realtors
      NJ Estates / Real Estate Group
      55 Stirling Road, Watchung, NJ, 07069
      Web- http://www.njestates.Net
      Blogs- http://activerain.com/blogs/njestates/
      Blogs- http://activerain.com/blogs/genna
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      Paul (Direct) 908.561.5492 (Cell) 908.310.1358
           

       
         
      "Lillian Court Associates LLC" has started a new, upscale home site located in the community of Berkeley Heights. Situated on a quiet wooded cul-de-sac, each of the lots are over one half of an acre in size, Located at 358 Mountain Ave. Berkley Hts. 

      Today's custom home buyers want integrity, service, quality and timely performance in their builder of choice. Lillian Court Associates LLC has demonstrated this through other new homes sites in the area such as Rosegate Estates in Berkeley Heights and luxury styled homes in Watchung and Warren. These proven attributes will make your home building a delightful experience.

      Known for its excellent schools the affluent Union County community of Berkeley Heights New Jersey is a prized place to live, desired for its semi-rural atmosphere. It's ideally situated just minutes off Route 78 (Exits 40 to 43), Route 22 and Route 287 and approximately 45 minutes from Manhattan by train or car and 20 minutes from Newark International Airport by car. Attached are some of the New Homes Available to Start.



         
      Click for information sheet [5 Bedrooms, 3½ Baths]
      5 LILLIAN COURT
      Berkeley Heights, Union County, NJ
      $1,450,000
      Click for information sheet [5 Bedrooms, 4½ Baths]
      7 LILLIAN COURT
      Berkeley Heights, Union County, NJ
      $1,450,000
      Click for information sheet [5/6 Bedrooms, 3½ Baths]
      8 LILLIAN COURT
      Berkeley Heights, Union County, NJ
      $1,350,000

      FOR COMPLETE INFORMATION
      CONTACT PAUL STILLWAGGON AT 908.310.1358 (CELL)

      ASK ABOUT POSSIBLE LOT SALES OR CUSTOM BUILD TO YOUR PLANS.
      DIRECTIONS:
      EITHER FROM SUMMIT OR WARREN TWP. TAKE MOUNTAIN AVE. TO
      BETWEEN ORION OR CUMMINGS OR 358 MOUNTAIN AVE. BERKELEY HEIGHTS.

                 
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         For further information Phone:
           Paul Stillwaggon  (908) 561-5492
      Cell: (908) 310-1358
       
       
      You can Email us at:
           njestates@gmail.com
      We are located at:
           55 Stirling Road,
           Watchung, NJ 07069


      Paul F Stillwaggon
      Weichert Realtors
      NJ Estates / Real Estate Group
      55 Stirling Road, Watchung, NJ, 07069
      Web- http://www.njestates.Net
      Blogs- http://activerain.com/blogs/njestates/
      Blogs- http://activerain.com/blogs/genna
      Twitter- http://twitter.com/njestates 
      Green Building- http://www.njestates.net/pages/green.htm
      Testimonials- http://www.njestates.net/pages/letters.htm
      Paul (Direct) 908.561.5492 (Cell) 908.310.1358
           

       
      OPEN SUNDAY 1-5 CLICK ON PICTURES FOR MORE PICTURES & COMPLETE INFO/ FLOOR PLANS
      MORE OPEN HOUSES & DIRECTIONS IN LINKS BELOW

      Click for information sheet
      French Inspired Estate
      [6 Bedrooms, 4½ Baths]
      52 Geiger Lane
      Warren, Somerset County, NJ
      $1,900,000
      Click for information sheet Luxury New Home Avail. 60 Days
      [6 Bedrooms, 5½ Baths]
      126 OAKWOOD ROAD WEST
      Watchung, Somerset County, NJ
      $1,849,000
      Click for information sheet New Home Avail. 60 Days
      [4 Bedrooms, 3 Baths]
      91A MORNING GLORY ROAD
      Warren, Somerset County, NJ
      $800,000
      NJEstates.net for luxurious and prestigious homes - Frames Reset
      COMPLETE INFO UPDATED DAILY
      Current Listings Info

      Luxury New Homes
      Custom Build A New Home
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      All New Jersey Homes
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      If Navigation Does Not Appear on the Left, Click Here to Reset.
      StatCounter - Free Web Tracker and Counter
      For further information Phone:
      Paul Stillwaggon (908) 561-5492
      Cell: (908) 310-1358


      You can Email us at:
      njestates@gmail.com
      We are located at:
      55 Stirling Road,
      Watchung, NJ 07069

      Paul F Stillwaggon
      Weichert Realtors
      NJ Estates / Real Estate Group
      55 Stirling Road, Watchung, NJ, 07069
      Web- http://www.njestates.Net
      Blogs- http://activerain.com/blogs/njestates/
      Blogs- http://activerain.com/blogs/genna
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      Paul (Direct) 908.561.5492 (Cell) 908.310.1358
           

       
       
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      Paul Stillwaggon, Luxury New & Pre-Owned Homes in Central NJ

      Warren, NJ

      More about me…

      Weichert Realtors/ NJ Estates Real Estate Group

      Address: 55 Stirling Road,, Watchung, NJ, 07069

      Office Phone: (908) 561-5492

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