The first time buyer tax credit for 2009 will expire in just 1 month.  If you are a buyer who's been planning on taking advantage of this tool, its probably too late if you are not already "under contract", since most transactions are taking about 45 days (at least) to close.  What to do?  Call or email your local congressional representative and ask them to support the legislation to extend and expand the program that is working its way through the system right now.  After that, find a Realtor, and get busy shopping!  Prices are usually at their lowest in the winter and it looks like interest rates are on the rise for 2010, so there's no time to waste.  For more details on the credit go to http://www.irs.gov/newsroom/article/0,,id=204671,00.html.  Happy hunting!