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-4/05/09- An $8,000 First-Time Home Buyer Tax Credit that does not require repayment is now available for the purchase of a principal residence on or after Jan. 1, 2009, and before Dec. 1, 2009 The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009.  The credit does not require repayment.  Most of the mechanics of the credit will be the same as under the 2008 rules:  the credit will be claimed on a tax return to reduce the purchaser's income tax liability.  If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.

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I, the undersigned, acknowledge that it has been disclosed to me that every attempt will be made to successfully market my property in order to save my home from foreclosure. In the event of a short sale on my property, I understand there is no guarantee that the lender beneficiary on my property will approve a payment for less than the full amount due on the loan. Furthermore, I understand that I am unlikely to receive any cash compensation from this transaction. I further have been advised that there may be tax ramifications associated with saving my home from foreclosure auction, including but not limited to, the issuance of an IRS tax form 1099 for any shortfall of the mortgage debt. As licensed real estate professionals, specializing in mitigating foreclosure losses, we disclose that we are not attorneys or certified public accountants and I understand that I have been advised to consult with any of these professionals with regard to any specific questions I may have relative to these areas of expertise. And although every effort will be made to obtain full release/payoff status of my loan. the listing agent cannot guarantee that there will be no possiblility of lender-instigated judgment against me for any loan deficiency. I also understand that the listing agent and/or their associates may become the listing agent for the beneficiary/investor or other new owner, if the property goes to foreclosure sale and is sold.