I could use some advice on this.....I am 24, MFJ, with one child. My husband and I purchased our home Apr. 22, 2008 from my parents. We are therefore disqualified from the credit. Even though it would eventually be repaid, we could still really use that money. We did everything normally. We had rural housing, 30 year fixed rate from chase. I don't know if this makes any difference, but we rented the property for 2 years prior to our purchase. I now understand the reason for the disqualification, but I can show any amount of proof necessary to show that there is no way my mother would ever do anything to help me financially for free. I have made every single house payment, every insurance payment and every tax payment and it is really frustrating to not be able to get this money because of others who cheat and steal. Are there any options for me?