I was seriously shocked to read that mortgage rates had dropped and hover around 3.59%. Last year proved to be a great year in Real Estate here in the Central New York area and I believe that 2016 will be even better. Already we are seeing a 14% increase in the number of home buyers making application for mortgages. That does not account for the "cash" buyers that are out there in greater numbers than I have seen in the past. Admittedly we have a lower inventory than last year and this will change as soon as the weather becomes more favorable. My advice, become one of those buyers who have their mortgage pre-approval in-hand and get ready to go out and find the best house your money can buy. Let you fingers do the walking on the internet and pick out three to five properties to view and begin your home search now before the Spring rush. Yes, give yourself the gift of home ownership.