New and exciting news in the mortgage business..........  Rates are below 5% which I haven't seen since 2002.  Of course, this is for the very good credit buyers.    Also, time is running out in order for first-time home buyers to take advantage of the $8,000 tax credit.  There are talks that the $8,000 tax credit might be extended into 2010, but no official word on that.  I will keep you posted.......