Has the economic tidal wave that began crashing down last year finally subsided or has the tide only began to go out before returning even higher than before? Some sings seem to indicate the former. With mortgage rates at a near all time low, this is a very opportunistic time for home-buyers both investors and first-time home buyers are excited about the new low rates and the $8,000 first home buyers tax credit. Can this really be the beginning of the end of our current financial crisis? Nobody has a crystal ball, myself included, but one thing is for sure... Tough times don't last but tough people do.