Let’s face it, many of you have been “hiding” because the interest rates went up substantially from over a year ago. Well the good news is they are starting to come back down now. My worry is they are going to keep coming down and then everyone that had been waiting to buy, will jump back into the game at the same time. This could create a raise in home prices and not being able to truly get the home you WANT! Here are some great programs that are out there for 1st time home buyers. Keep in mind, if you are not a first time home buyer, there are still lots of programs out there for you too!