Hello there - I wanted to get as much info as you'd be willing to share about first time home buying. . . anything about loans (FHA, etc)., getting the best rates, the $8000 tax credit (how it works, how to get it, is it a deduction or do you get a check. . . ) etc. DH and I are in Miami, and I have seen many homes in the area we want to live in for less than $150,000. I don't need advice about whether now is a good time to buy or not, etc., just details and information that you would have found valuable your first time. Thanks so much in advance!