Well, you have to close on a home by November 30th. to take advantage of the 8K tax credit. They are really not talking about extending it either.
If you do not have some thing under agreement now, forget it for the most part. Put it all down on paper. Even if you have been saving, you will never see these prices (in the east) or rates like this. Even if you have been a squirrel with your money, FHA is the way to go. Fore go the fancy wedding, lets talk a roof over your head, and some nice equity down the road. How fast people forget about a wedding...sorry, but this is true.
I sure wished this was available to me when I was buying my first house.