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Tax Credits, Seller Paid Closing Costs and Low Down Payments for First Time Home Buyer Program to Apply for Low Interest Rate FHA Mortgage Loans. Buy Foreclosures. Go To RealEstateMarketingThisWeek.com Part 6 (Excerpt) Foreclosures may be the best purchase option for first time home owners; Interest rates at all time lows In the last couple of months, 40% of all the total sales in Maricopa County were foreclosures. 40% of the total market was foreclosures and thats not including short sales …