As most everyone is aware, Florida has been one of the hardest hit states for short sales and foreclosures. Over the last few months, sales have increased (but not pricing) and for the first time in a long time, there are fewer homes for sale than in the beginning of the year. Homes and condos are definitely selling and with the $8,000 tax credit, we have seen a definite increase in first time home buyers. Another plus is the fact that interest rates are great. Homes and condos are certainly much more affordable than they were a few years ago. Sellers and banks are willing to be negotiable with the list price. Much more so than they before. You can still buy a home with an FHA loan and just 3.5% down. Condos require 20% down. I hope the government continues with this tax credit into next year. This has been a definite plus for real estate and when real estate is thriving, so is the economy. We are fortunate that Florida is still a destination state for out-of-state buyers and they continue to come to enjoy the warm climate, the beaches and variety of activities.