Sales surged ahead in September — highest increase in two years, according to the National Association of Realtors. But what does it mean? Are we out of the woods? Will prices start to rise?

Before we pop the champagne we need to keep in mind that this jump was fueled by the $8000 tax credit due to expire Nov. 30, along with people snapping up short sales and REOs.

These national statistics are borne out in my own business where many of the recent mortgage purchase loans were first time buyers, FHA low down-payment financing, who were able to finally find affordable homes to choose from and then scrambling to make a deal and close in order to get their tax credit.

All in all, a step in the right direction.