Not true today. However, it's not far from likely soon. The market has ups and downs. This is down, so what is down must go back up. Just like interest rates!

Yes, it is a buyer's market. So why is buyer confidence down? National news has a strange effect on home buyers, even in Philadelphia where the average sale price has only decreased an average of 4% in 2008. Buyer confidence is shaky and the erratic stock market really doesn't help that.

A 1% drop in the mortgage rates, by all accounts, should spur activity in the market. After all, it's almost a 10% decrease in the actual payments on a home. Read: Pay less for more. The "smart money" is investing in real estate now. It's exciting to see the investors out buying. But home buyers remain skeptical.

Fact: It's called a buyer's market for a reason. People still need places to live and now is the time to get the best buy. The market is overstocked with homes for sale. Interest rates are incredibly low. Get a home while it's not hot, or pay more when it heats up.

www.SmartGirlsOwn.com