First, I am must state that I am in agreement that the Federal tax credit for purchasing a home should be continued.

But, I believe that the approached can be changed to benefit not only the buyers, but the government itself.

Currently as proposed, no one is required to pay the credit back.

Also, the credit comes back to people after they have bought and the problem most people have is to acquire the funds to buy.

My solution is that you give the people the funds directly for closing and that they pay the money back over a 10 year period, WITH interest so that the Treasury receives a "profit."

So, we don't have to raise taxes, people become more responsible more homes get sold, more jobs get created.

Anybody have a problem with that?