Although we’ve been hearing for years that it’s a buyer’s market, low mortgage rates make purchasing a home much more attractive.  With lower mortgage payments, buyers can get more for their money—larger homes or better neighborhoods and school districts.  While banks had been very strict about whom they lent money out to, experts think this might be changing.  Being able to make a down payment coupled with good credit or a steady income make you an attractive candidate for low (very low) mortgage rates.  For Buffalonians, however, this is old news: since Buffalo was largely unaffected by the crisis, it has remained a great place for buyers.