Buyers have many options with Home inventory at a 15 year high. Mortage rates are still near historical lows. Don't pass this market opportunity...Act now! Are you aware of the Smart Start Program? If you qualify, the State of New Jersey will give you up to 4% credit of your mortgage amount at closing toward your down payment. Also, do you know about the $7,500 tax credit available for first-time home buyers purchasing a home after April 9, 2008 and before July 1, 2009 .... So what are you waiting for? Contact me now and let me help you to reach the American dream. Cathy C. "We are extremely happy about the services provided by Cathy, her patience and diligence in making us view houses that suit our needs.She works smart ...She is simply a great realtor to work with. We would strongly recommend her to any of our friends and relatives who want to buy a house." Rashmi and Vishwas, First Time Home Buyers-Parlin, NJ     newjersey