If you’re still considering replacing your windows in 2009, you may be finding that window dealers or home improvement companies are not as available as before to meet with you to discuss windows. This is actually not unusual, because traditionally November is a time when homeowners rush to replace their windows before the colder weather arrives -- and window dealers have more work than they can handle.

Compounding this situation this year are a few additional factors. One is pent-up demand and the improving economy. Many who waited because of lack of confidence in the country’s financial stability now feel they can make purchases with confidence.  Another factor is unquestionably the $1,500 federal Tax Credit program and the rush to purchase qualifying windows before year’s end.

A thing or two about the Tax Credit: One is that windows must be installed in 2009 to be eligible for the credit to be taken on your 2009 return. It’s still possible, of course, but it will be close if you’re ordering windows now. The other thing to remember is that you do have until December, 2010, to take advantage of the program.

The good news? If you do purchase windows now and they are installed in early 2010, you still win financially because you’ll save money with lower winter heating bills – and you still get the tax credit (although later).