Am i a first time hone buyer? i divorced my husband 2 yrs ago and was et ux on the loan?

Kathie
I bought out his interest in the home in 2-09 with some cash loaned to me by a friend. I want to refinance the house to pay him back or should I try to get a new loan?

Laverna
Refinancing is getting a new loan.

Eladia
A refinance is a new loan. You do not qualify for first time home buyer credit.