Price break plus a tax break equals a bargain on real estate

It's a terrible time to buy a home, the naysayers claim. They cite the uncertain job market, the threat of further home price declines, the plundering of retirement accounts. At the risk of raining brimstone on my head, I'll take the opposite view. Home buyers enjoy three discounts that might not survive 2009: a foreclosure discount, a tax credit discount and an interest rate discount.

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