The short answer is as long as you were not on an owner of a primary residence in the 3 years prior to your purchase, then you are a first time buyer. Below is HUD's (Housing and Urban Development) comprehensive definition of first time homebuyer. HUD sets the guidelines required for FHA mortgages. Learn more by going to hud.gov.
An individual who has had no ownership in a principal residence during the 3-year period ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are considered first-time homebuyers).
A single parent who has only owned with a former spouse while married.
An individual who is a displaced homemaker and has only owned with a spouse.
An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
An individual who has only owned a property that was not in compliance with state, local or model building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure.
I have been helping New York buyers to become successful homeowners since 2006 with affordable and manageable mortgages. For more information or assistance, reach me directly at 917.699.0183. Follow me on twitter @mdenniston247.
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Michael Denniston l Cell: (917) 699-0183
Residential Home Funding, Corp.
Licensed Mortgage Loan Originator l Branch Manager
6901 Jericho Turnpike Ste. 219 | Syosset, NY 11791
Main: (516) 605-1733 | Fax: (888) 881-2557
NMLS # 24076 | Company NMLS # 34973