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vkg: " http://www.irs.gov/pub/irs-pdf/p936.pdf

"You buy your home within 90 days before or after the date you take out the mortgage. The home acquisition debt is limited to the home's cost, plus the cost of any substantial improvements within the limit described below in (2) or (3). (See Example 1 below.)"

Okay, I am wrong. It isn't the first time.

There is a 90 day window to obtain the mortgage."


90 days eitehr side of closing is a six month window; perhaps you client was right as to the six month window but wrong on when the window opened and closed.

Regards, JAFO

PS - And I am not certain that IRS rules would alter Texas homestead law, which would bring its own limitations (at least nto without researching it).
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