Wow! Don't we all wish we had the perfect answer for that question. I will tell you that the news of Merrill Lynch & Lehman Brothers buy out is certainly rocky news for the market. However, it generally prompts the market to lower the interest rates almost reactively to prevent any further fall out from the Dow Jones news. The flip side of that coin is that the lowered rates are always temporary and short lived. I truly cannot imagine a better time to take that step over the hill and go for it! A house is going to be your biggest investment over the course of your life and buyers are in the best financial position as of today than they have been in years!!! Let us help you find the perfect home! We love it!!!!!!