Right now several first time home buyers are on market to utilize $8000.00 IRS credit. This benefit will expire on Nov 30 2009. I know several expected first time buyers are extending file returns to Oct 15th. Whenever they buy home and they can file taxes (before Apr 15th 2009 or Oct 15th 2009) and claim $8000.00 on 2008 taxes. No need to pay back this $8000.00. I believe rates are not going to come down from present price until Nov 30 2009. After Nov 2009, the prices may come done.