A good place to start would be the Pittsfield Housing Authority. I'm sure that they would be able to direct you. They're at 65 Columbus Avenue, Pittsfield, MA 01201 and can be reached by phone at (413) 499-2771.... more
Since you have already determined that you want to use a buyer's agent, here is another way to find or locate one who specializes in buyer's agency. Each state in the U. S. A. has a Realtor Association. In Massachusetts it's referred to as the Massachusetts Association of Realtors (MAR). Any agent who is a REALTOR will have all of their credentials stored in the MAR database. You can access this database to find a buyer's agent with the credentials "Certified Buyers Representative" "Accredited Buyer's Representative" and "Certified Residential Specialist". Go to www.MARealtors.com; Find A Realtor; Directory Search; Select City; or enter the agents name that you would like to represent you and you can see their credentials at this site.
Of course there is nothing better than a personal referral from a trusted family member, friend, or other advocate putting your interest first. Meet your buyers agent and get to know him/her for a few weeks or a month before you sign a long term buyer's agent contract. This way you can make sure your expectations and your agents work style match ensuring a better home buying experience. HAPPY HOME HUNTING!
Barb Davis-Hassan, CCIM, CRS, CBR, GRI
Barb Hassan Realty, Inc.
Tel. 413-447-7300 or 1-866-567-7300
You are asking about the "move-up" credit, rather than the "first time homebuyer", correct? The last repondant was correct that you should verify with a tax preparer/accountant and your attorney for your particular case, but the general guideline is that you must have owed your former property or properties for 5 of the last 8 years. (If you are filing jointly and one of you owned a property for less than 5 of the last 8 years that was sold, you may not qualify. Check with your financial advisor.) Your income as a couple cannot exceed $225,000, and as a single, $150,000. The maximum price on the new residence, however, can be upwards of $800,000 (I can't remember the EXACT figure on the home price - A little help, fellow REALTORS?). Please remember that the $6500 figure is the upper limit of your potential credit. Depending on income, cost of the property, etc., you may qualify for less.
Just to brag about my fellow professionals a bit here - The National Association of Realtors was highly instrumental in getting information on the effectiveness of the tax credit to our lawmakers. In very high numbers, we individual REALTORS contacted our legislators. We strongly pushed for the extension of the first time homebuyer credit and the expansion of the credit to benefit move up buyers. As of last May, Capital Hill was VERY reluctant to even consider extending the credit because they didn't see the value in it. We made sure they knew it was working - and why.... more
The credit is available to either someone who hasn't owned a home within the last 3 years, considered a first time buyer (which appears to exclude you) or someone who owned a home for 5 consecutive years during the last 8. So, if you owned the same home from 2001 or 2002 to 2007 you should be eligible, as long as you owned it for a full, consecutive five years. You should call your agent and ask them- they know your situation and should be able to provide specific answers.... more