There was a program in place through the state where you could get $5,000 up front to use. It is my understanding that the state ran out of money the other day, so this program is no longer available. If you can get a friend or family member to help you, perhaps then you can pay them back when you get the money.
We know that Joe Aiken the President of Boulevard Mortgage Company in Bensalem has used the 8,000 tax credit to offset closing costs for his clients upon request. In our opinion he is one of few lenders offering this program. For example a large bank like Wells Fargo will not offer this option. (I am not picking on Wells Fargo. I am just using them as an example.)
People forget that the Obama tax credit is a federal government related incentive. Once the lender "fronts" you the credit, you will have to pay them back at tax time.