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Am I a first-time homebuyer if my mother decided to put my name in the paperwork three years ago?

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I am 29 and want to purchase my own home under first-time homebuyer programs and hope that didn't ruin my chances.

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  1. 3 years ago if you signed the note --you are not a first time buyer. If you are just entitled on the home you can be.

    I am a mortgage banker in Tn & KY

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