My significant other and I live in a singlewide mobile home my mother gave us 10 years ago. Both his and my name are on the title. We never paid a mortgage because while the home was a gift from her, we had to put something in Sale Price so it was $1. Not gonna mortgage that! (Can you imagine? haha!)
Because it's still in our names, does this negate our First Time Buyer status since we technically currently own a home? Or because it's been 10 years and/or we've never had a mortgage, do we still qualify?