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WOW can it get any better. Interest rates are at 5% or below, the Cumming Real Estate Market has good supply and now there is an $8000.00 tax credit for first time buyers. Don't forget that you are considered a first time buyer if you have not owned a house in the past 3 years. Also you get get the money in 2008 if you buy now, so get a gift from a relative for yor 3.5% down and pay it back with your tax return. Call me if you need an agent ! 770-317-8178