The Federal Reserve reported with its Beige Book that home buying was up; mostly in the lower end of home prices and what helped was the first-time home buyer tax credit (which EXPIRES NOVEMBER 30, 2009) so you need to get in a contract ASAP to take advantage of this.

Call your realtor today. We see homes in the Spring Hill, Brooksville, and Weeki Wachee, Flroida area that are foreclosures priced below $100,000 moving almost as soon as they come on. Think about what you spend in rent versus a mortgage with all its' advantages. Also call a lender which doesn't cost anything. Don't be sitting in your rental next year saying "I should have taken advantage when I could". There is help out there now.