Clock Ticking for Homeowners As Thousands in Tax Credits Vanish Dec. 31. Here’s What to Do Before It’s Too Late. Clock Ticking for Homeowners As Thousands in Tax Credits Vanish Dec. 31. Here’s What to Do Before It’s Too Late.

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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. If you’ve been putting off home improvements, the stars have aligned in a way that won’t last long. The Federal Reserve just cut interest rates for the second time this year, dropping its target to the 3.75% to 4% range.