The $8K home-buyer tax incentive is a great opportunity... and lawmakers are making it easier and easier to attain. Home loans between $417K and $730K are in a new "sub-jumbo" category that's now eligible for the $8K incentive. Also, sub-jumbo interest rates have been nudged slightly lower than those of jumbo loans. This sub-jumbo tax incentive deal is only valid through the end of this year, so plan accordingly. Good time to buy or refinance?