yea thats actually the one she was talking about for us, mostly due to credit issues, but it also allows us to use "gift monies" for the downpayment. Right now were looking at housing that go from 140,000 to about 170,000, so we would be looking at 6 to 7k deposit, that between my profit sharing bonus from GEICO and the money her mom would like to provides us, we should be good. the tax credit ends on dec 1st so yea i guess you could say it ends in november