Thought I would let you in on a secret, well at least a little known fact.
The $8,000 first time home buyer tax credit can be obtained by a qualified purchaser when they "purchase" a home - not only just when they obtain a conventional, Federal Housing Administration or Veterans' Affairs loan to purchase a home.
So, if your wheels are not quite turning yet, e-mail me and I'll give you the secret sauce that will show you how to use the $8,000 tax credit as the "down payment."
This fact is something that you can actually go into the market place and use right now.
If you are interested or just curious and want the details, e-mail me at
By the way, over 100 readers of this column wrote me last week. I have responded to the first round and will respond to the follow up e-mails over the weekend.For more information about Mr. Pate, visit his website at
