Rates are going to remain low throughout the year according to most forecasters.
What is your time frame to buy? That is the real question.
There are homes that meet your criteria that are ON the market, but if you don't like any of these,,,,,,,,,,,,,,,,,,,, I would want to identify the neighborhoods that you really like & see if I can MAKE ONE available for you, vs. waiting for another agent to bring it on the market. Maybe find a homeowner in DEFAULT for you & then it's just You & Me vs. the Big Bad Bank & we wipe out the buyer competition.
Shoot me an email directly if you'd like to talk about this further, I don't look back on this same Trulia thread for answers posted after mine.
Emily S. Knell
Realtor Since 1996
Realty ONE Group
Short Sale Specialist - 100% success rate