Although the prices of homes around the country are up, mortgage interest rates today are near all-time lows, which makes borrowing cheap. This might be the right time for you if you are a potential homebuyer and are considering getting a mortgage loan. There is no question that nobody wants to lose any money on real estate, be it someone with a large down payment or a first-time homebuyer on a tight budget. The home prices may be rising around the country but there are differences between states, and cities.