Home prices are again still increasing, opposite of what the news is continuing to sell to you on the TV, Radio, and paper. But rates just got better though the market is increasing. If you are in the below zip codes, you can expect to receive a .125 - .25% better interest rate for buying a home here. This is a HUGE advantage for you as the first time homebuyer. This alleviates the rate and allows you to qualify for a little bit more home.