You can have your down payment in 8 months without a change in your lifestyle. All you have to do is to modify your tax witholdings from your employer and place the extra money in a savings account and do not use it for anything.
With the new tax credit you will not be hit with a larger tax burden by doing this. With the $7,500.00 tax credit any modification in your tax liability will be offset with the tax credit you will gain with the tax credit.
Please contact me with your situation and I will be happy to assist you in meeting your dream home.
David Cool, REALTOR & Mortgage Broker
INI Realty Investments, Inc
904 338 4601
Jacksonville.realtor@yahoo.com
www.DavidCoolRealtor.com