Welcome to Home Free Realty, LLC, your source for Indiana real estate. This is the very BEST TIME of the year to BUY, BUILD or SELL a home!  In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale with my New Listings Notification. If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation. Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in Indiana, please contact me as I'm more than willing to help. We look forward to helping you Sell, Buy, Build, Invest or Relocate...NOW or in the future! Please browse my website for listings, reports, and important local real estate information. Sincerely, Stacie Kidwell, Broker/Owner Home Free Realty, LLC "Hablo Español!"

¡Llámeme! 

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To learn more about current buyers incentives go to http://www.mibor.com/members/buyer_incentives.asp

up to $8,000 cash to you!!!
Who is eligible? Tax credit is available to first time home buyers for 10% of purchase price or up to $8,000. The law defines a first time home buyer as a buyer who has not owned a home during the past three years. All U.S. citizens who file taxes are eligible to participate in this program.
Do any income limits exist? Yes. Home buyers who file as single head-of-household taxpayers can claim the full tax credit if their modified adjusted gross income (AGI) is less than $75,000.00. For married couples filing a joint return, the income limit doubles to $150,000.00. Single or head-of-household taxpayers who earn over $75,000.00 may be eligible to receive a partial first-time home buyer tax credit. Married couple who earn over $150,000.00 may be eligible to receive a partial first-time home buyer tax credit.
Are there payback provisions? No. Unlike the Tax Credit enacted in 2008, the new credit does not have to be repaid. Homeowners must use the home as a principle residence for at least three years or face recapture of the tax credit amount. Certain exemptions apply.
What are the effective dates for the tax credit? First-time home buyers would receive the tax credit for the purchase of any home on or after January 1, 2009 and before December 1, 2009. To qualify, the home buyer must actually close on the sale of the home during this period.
What types of homes qualify for the tax credit? All home types qualify, provided that the home will be used as a principal residence, and the buyer has not owned a home in the past three years. This includes newly-constructed homes.
Refundable tax credit:
What does this mean? A refundable credit means that if you pay less than the tax credit's value in federal income taxes, then the government will write you a check for the difference. If you are due to receive a tax refund from the government, your refund will increase by the amount of the tax credit. Buyers can take advantage of the tax credit on their 2008 or 2009 tax returns on home purchased after January 1, 2009.
Can the tax credit be claimed in conjunctions with a mortgage revenue bond? Yes, the tax credit can be combined with the MRB home buyer program.
Does a person who finance a first home in 2008 qualify for this credit? No, but if the home was purchased between April 9, 2008 and January 1, 2009 they may qualify for the $7,500.00 federal tax credit of 2008.
Qualify for an FHA mortgage? Buy a HUD home and pay only $100 down!