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About the market Herzog says, "Don't let anyone out there fool you, it is a Buyer's Market. I even heard a builder on the radio today offering $40,000 in incentives at zero down. What does that tell you? Summer's here now ... prices are holding steady, rates are at a 30-year-low, and everything looks better in the summer.

Now is a great time to buy a home. Rates are low, but for how long is anybody's guess.

If you're thinking of upgrading, now's the time to have a garage sale, clear out the clutter, ad some pizazz to your palace, and get it ready for sale. Make sure you look at the competition to see what they're doing."

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