Did you make the statement in Post #98 that it makes no difference if the NRST is included in the mortgage?
Can you explain your point. Yes, I do not see why including the 30% premium in the mortgage will make any difference in the competitiveness of new homes. A 30% premium added to new homes will make people more likely to buy existing homes instead. Just because people might be able to finance the extra costs in their mortgage will in no way negate the price disadvantage of new homes under the fairtax. Gee, if something costs $130K and the nearly identical item costs $100K, most people are going to pick the $100K item. Besides recommending a Kidergarden level economics course for you, I don't know how else to explain it.