Don’t forget - - - Part of the Housing and Economic Recovery Act of 2008 includes a  $7,500 tax credit for any first-time home buyer who purchases a home before July 1, 2009. Past homeowners don’t count yourself out yet! Even if you have owned a home in the past, remember that a first-time home buyer is someone that has not owned a home in the last 3 years. Better yet, interest rates are near record lows and intenvory is better than it has been in years. If you have been thinking about purchasing a home, now is the time to make your move!