Buyers are finding that sellers today are offering much more than just a great price. The homes that are selling are the very best available, in pristine condition. They are priced competitively and typically sellers are very negotiable. Sellers are paying closing costs, giving away TV's and trips and offering advanced maintenance payments. Price pressure on sellers is greater than ever. Short sales, bank foreclosures and auctions are todays competition as much as anything is.

Buyers are making great deals and finding great financing. Sellers are offering financing in order to move and lenders have begun offering FHA or other types of low out of pocket financing for qualified buyers. Smart buyers today are obtaining financing before they begin the buying process. Locking up a great deal depends on how quickly a buyer is able to get funded.

Some folks are taking full advantage of this 2008 home buying season. We're taking buyers to closings this month on single family homes sold well below appraised values. Some with FHA financing and low down payments and low fixed rate mortgages. Others with various types of down payments and financing and still others waiting for answers from lenders on foreclosure offers.