As the old song goes Time is on the Borrowers side with the big changes in the Real Estate market. There is a huge amount of homes on the market in many area causing it to become a buyers market again. Make a offer and do not be surprised if it is accepted with all the competition out there. Rates are still very low and if you can save thousands of dollars on that new home it will help keep that payment down. If you have good credit and 5% to put down do not take a higher rate than shown here. You may even be able to work .125% lower if your loan amount is large. Do not pay high fees. The Mortgage business and the Real estate business are tied directly together. Keep your credit scores up and remember right now:"Time is On Your Side!"