Are you thinking about buying a home? ACT FAST! The $8,000 first time home buyer federal tax credit expires December.1st, 2009.

Home ownership is an incredible feeling. If you are a first-time home buyer do not be nervous about taking the invigorating plunge into home ownership. The benefits will far outweigh the risk.

The 30 year fixed mortgage is the lowest since records began in 71′.  Rates fell this week to 4.86%.  Mortgage rates are a full point lower than where they were a year ago.   It’s a great time to buy.  Click here to get started now.

Many people are still afraid to buy a home in times like these, with the economy faltering and home prices continuing to fall. But if you are smart enough and brave enough, you may just be in for the best home-buying opportunity of a lifetime.