I'm a Realtor with Coldwell Banker Heritage and my office is located in Huber Heights, OH. but I live near Troy, OH. Coldwell Banker Heritage has many locations in and around the Dayton, OH area with one being in Troy. Please go to my website, www.astanleyrealtor.com and select the button titled Tax Credit for Buyers and Sellers. You should be able to get all your questions answered by visiting this site titled Homebuyer Tax Credit Information. You will see an option titled Frequently Asked Questions and if you click on this it will take you to another page where most, if not all, your questions will be answered. Just a reminder, if you're interested in taking advantage of the tax credit please start very soon as it expires April 30, 2010. Please contact me if I can be of assistance to you in finding that perfect home.