It pays to live in Georgia. You may qualify for up to $9,800 in tax credits.

Buy a Centex home now and receive up to $9,800 in tax credits plus a low interest rate.

Did you know that as a Georgia homebuyer you may qualify for up to an $1,800 tax credit from the state of Georgia? And if you’re a first-time homebuyer, you may qualify for up to an $8,000 tax credit from Uncle Sam. Combined, that’s a total of up to $9,800 that you may receive for buying a Centex home.

You can make even more of this unique opportunity with a mortgage interest rate that’s even lower than today’s historic low rates. To see just how low our rates are and what your monthly payment could be, click here.

Centex has answers on the Georgia state tax credit.

Who is eligible?

The Georgia state tax credit is not limited to first-time homebuyers. It is for all Georgia residents purchasing an eligible single family home or condo as a primary residence.

Am I entitled to the full $1,800 home-buying tax credit?

Your tax credit will be the lesser of $1,800 or 1.2 percent of the purchase price of your new Centex home.

How does the home-buying tax credit work?

A taxpayer may claim one-third of the credit available each taxable year and may carry forward unclaimed amounts.

How long does the Georgia tax credit program last?

Tax credit applies to homes purchased between June 1, 2009, and November 30, 2009. Restrictions and limitations apply.

For additional details on the Georgia home-buying tax credit, click here.

Centex has answers on the up to $8,000 government home-buyer tax credit.

Am I eligible?

If you have not owned a home in the past three years, you may qualify. (That’s right, even if you or your spouse owned a home more than three years ago, you are still considered first-time homebuyers and may qualify for the tax credit.)

Am I entitled to the full $8,000 home-buying tax credit?

It depends on your modified adjusted gross income (MAGI).

How does the federal home-buying tax credit work?

It is a direct tax credit that reduces the amount of taxes you owe. It’s different from a tax deduction, which only reduces the amount of your income that is subject to tax.

If your eligible tax credit is more than what you owe in taxes, the balance will be refunded to you. (See an example scenario at FederalHousingTaxCredit.com.)

How long does the program last?

The federal home-buying tax credit applies to homes purchased (closed) on or after January 1, 2009, and before December 1, 2009.

The tax credit can be claimed on your 2008 or 2009 tax return.

For additional details on the federal home-buying tax credit, click here.

How can Centex help?

In addition to the government tax credit and the Georgia state tax credit, when you buy a Centex home, you may be eligible for an interest rate that’s even lower than today’s historic low rates.

We like to think that Centex is a better way to a better home. And with an offer like that, this is a great time to buy.

With more than 50 years of home building experience, Centex has helped thousands of people just like you realize the American dream of home ownership. Plus, our partner company, CTX Mortgage Company, works exclusively with Centex customers to help open doors for prospective homeowners.

Don’t miss out – visit a Centex neighborhood today to take full advantage of these unique opportunities!

See homes in Atlanta.

See homes in Savannah.

The federal and state tax credits are subject to qualifications, conditions and restrictions and are available only for a limited time. General information is available about the federal tax credit at FederalHousingTaxCredit.com and about the state tax credit at www.Georgia.gov. Centex does not endorse, approve, support, sponsor or review the information provided on these websites and cannot attest to the accuracy, completeness or timeliness of the information provided by such resources. Centex does not advise on any personal income tax matters or issues, and a buyer should not construe any statement made by Centex or its agents, representatives or employees as such advice. The information provided here is for general information only and does not represent tax or legal advice (either express or implied), nor should it be a substitute for professional tax or legal services and/or advice. We strongly urge that before you purchase a home, you seek advice from a professional advisor that is familiar with your personal facts and circumstances. They can assist you in determining whether you qualify for either or both of these credits and the amount available to you. Loans and loan qualification are subject to additional terms and conditions and may require payment of fees or discount points.

Loans offered through CTX Mortgage Company, LLC, 2728 N. Harwood, Dallas, TX 75201, which is an affiliate of Centex Homes. Georgia Residential Mortgage Licensee License #6215.

See a Centex sales consultant for details. Featured home is subject to sale or withdrawal at any time. This material shall not constitute a valid offer in any state where prior registration is required or if void by law. Photographs and drawings are for illustrative purposes only and are not necessarily intended to be an actual representation of any particular community, neighborhood or the completed improvements being offered. © 2009 Centex Homes. All rights reserved.