I am amazed with the rates.  Now they are bouncing 5.75 to 6.25.  This is for 30 year fixed rates.  I remember the days of 18%.  Now it has become a great time to buy.  A buyer's market, low rates, sellers worried about their sales and willing to drop prices, appraisers appraising low, and home loans allowing 101% towards their purchase.  good things are to come.