I agree with Larry, the $15,000 credit seems to have been eliminated, when congress reconciles the two bills. It is disappointing to buyers, seller, Realtors and lenders as a tax credit would stimulate the housing market and lead to a real estate recovery. It is still a great time to buy a home. The interest rates have bumped up a little but, are still at historic lows. There are many choices available, with negotiable sellers. the prices seem to have rolled back to 2004 levels (before the bubble). Now is opportunity time for buyers. - Wed Feb 11 2009, 15:45