This office does not understand the First Time Home Buyers Tax Credit. My 21 year old son bought his first house and met all of the qualifications for the tax credit. He bought the home along with his older brother, who does not qualify for the tax credit. Under the IRS guidlines, unmarried co-borrowers can still qualify for the tax credit...with the full credit going to the tax payer who qualified. In contrast, married co-borrowers must both qualify or niether tax payer qualifies for the credit. My son has gone into the same office three... read full review »