Tis the season for new home buyers. The interest rate is low and you can lock in at 2.75% for 30 years. Either you go with FHA or conventional there is always a good deal out there. With the end of the year soon to be over some home builders are throwing out great promos like free upgrades, less or no closing cost and more. Shop first before you ink an offer, you don't want your earnest money to be put to drain if you change your mind and you backed out of the deal.