As we start the new year we are cautiously confident, yes prices have stabilized and even risen in some areas. Interest rates are still very attractive. There are still great properties on the market. the challenges are many though: how many short sales and foreclosures are there yet? buyers confidence in the companies they work for and if they will have continued full time employment still waivers, inventory is till higher than needed, what will happen to the market when rates go up? What effect will affordable care act have? even with all of this We truly believe it is a great time to buy- The conditions cant stay as they are now will you look back and say damn I missed those rates and those prices.