Interest rates are bouncing around record lows. Home prices are down in most areas. Many buyers who have been waiting for a good time to buy want to move forward. But there is still uncertainty in the housing market. Nationally, the housing market appears to be stabilizing, although home prices were down 2.5 percent in 2011, according to the National Association of Realtors. The recovery is expected to be rocky and could take years. Prices might decline before they reach a plateau. This should be factored into your decision to buy. This is not to say that the price you pay should have future possible price declines built into it. Most of today's sellers have difficulty selling at current market value. It's unlikely they'll compensate you for a potential event that might not happ...