CINCINNATI - The American dream is now a little closer to reality for some Tri-Staters thanks to record low mortgage rates.
The average 30-year fixed rate is around 3.25 percent. The 15-year fixed rate fell to 2.56 percent.
Those rates are making owning a home a more realistic possibility for many people.
Denice West is one of the could-be buyers who believes she can benefit from the new rates.
The mother of 10 said Thursday evening that she has been trying to carry out the dream of buying a home for years, but now it seems like more of a possibility than ever.
"It's our time," West said. "It's God telling us the time is right now."
Real estate experts claim there is a downside to low loan rate. They argue supply in many areas won't be able to keep up with demand, which can have a negative impact on the housing market.
For West, though, she feels this is too good an opportunity to pass up.
"It's an excellent time, we're definitely jumping on it," she said.