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Let's look at the facts. The average sales price of a home in Hillsborough County Florida in October 2005 was $269,403. Today the average sales price is $156,775. Down a $112,628. Mortgage rates were at 5.66% (30 year fixed rate) in October 2005, today they are at 5.03%. This is about a $63. savings a month on a $100,000 loan. Free money, $8,000 tax credit for first time buyers or $6,500 if you lived in your home over 5 years. OK, so what's everybody waiting for? You remember the saying, "You snooze you loose"?