Good news! Although Fannie Mae and Freddie Mac will be adding an additional fee to their rates – this congressional action does not affect government rates. USDA rates will remain at fabulous lows they have been for years. Oregon in general and especially Marion and Polk counties have fabulous prices on homes. Now is the perfect time to buy -while both rates and prices are down to the lowest we have seen in over 50 years. In fact, historically, usually only one of the two is true – either rates or home prices are down – right now both are at all time lows.