LAST CHANCE FOR FREE MONEY

The clock is ticking on Tax Credit!

There's barely three months left before the $8,000 tax credit for first-time buyers ends -- and it can take that long to close on your new home.

Passed earlier this year as part of the economic stimulus package, the credit is good for up to $8,000, or 10% of the purchase price, and applies to people who have not owned a home in the previous three years. (There are some income restrictions.) The best part: Unlike a similar program from 2008, the credit does not have to be repaid. The bad part: It ends on Dec. 1.

Because it usually takes around 30 days to close on a house after a contract is signed, buyers have very little time left to act.

"Buyers have to get a home under contract very, very soon, call me so that we can get started finding you a home.