TMFTaxes said "you can take advantage of the provision even if you are not the first-time homebuyer, since the first-time homebuyer can be the IRA owner, his or her spouse, or any of their children, grandchildren or ancestors.Regarding this point about using the homebuyer IRA withdrawl penalty exemption for an offspring. If the parent has to co-sign the loan, does the exemption still apply? And can a brother use his IRA to help a sibling? Thanks. Rich Y.
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