Local real estate agents are urging potential buyers to consider buying a house due to low mortgage rates. The 30-year rate is below 6% for the first time in over three years, and some buyers may qualify for an even lower rate. Lenders like Gate City Bank and Western State Bank have introduced "mortgage rate relief" programs that can reduce rates by up to 1.5%. These programs are available for buyers earning up to 80% of the area median income. However, real estate experts warn that if rates continue to drop, there will be more competition and more buyers.