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Both of these programs require you to be a first time homebuyer OR to not have owned a primary residence in the last 3 years. The way we document that to satisfy the the requirement is we obtain 3 years of Federal Tax Returns or an IRS print-out of same to prove they have not paid Mortgage Interest or Real Estate Taxes in the last 3 years.

By this process, one could not see that I have owned a house for years. No morgage is paid on it, no morgage interest is claimed on Federal Taxes and since I file the EZ form, my real estate taxes would not show up on an IRS report either.

That's correct. Although, you would be signing a number a forms that are part of these programs where you confirm under penalty of perjury that you do not own a primary residence. Obtaining a credit rating from your Landlord is normally required as well, this of course could be fraudulized as it probably has been done in some instances.

In addition, your credit report will reflect if you have or had a real estate loan which the Lender will question and may require documentation on as well.