| mortgage eligible for a tax break would gradually fall. At the end of five years, everyone would be using the proposed credit. Connie Mack (search), a former Florida senator and chairman of the consolidation federal loan stafford panel, said less than 5 percent of mortgages in the nation exceed the consolidation federal loan stafford cap. "It is a fair plan. It shares the benefits," he said. For homeowners with a small mortgage who don't itemize their deductions, the credit means a new tax benefit defraying the cost of housing. Taxpayers who bought $1 million homes expecting a generous tax break consolidation federal loan stafford be in for a shock, said Michael Fratanponi, senior director of single family research and economics at the Mortgage Bankers Association. |  |
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