So AOL just published a great list of reasons to buy a home now. These are good- among them: Mortgage rates won’t go much lower. So true. As long as your credit is good and you have a good job, there’s no reason to wait. And with FHA loans still available, you can put down as little as 3.5 % and if you like living out in the country, USDA has loans that require no down payment. Check out the link!