If you've got the cash and the credit, buying a home just became a little bit easier. Since last week the rate on a 30-year loan has almost dropped one tenth of a percent. These changes in rates are having some positive impacts on the real estate market in northwest Florida. Don Cooley and Bubba McCants from Counts Realty say they have seen an increase buyers wanting to purchase a home and a decrease in foreclosures and short sales. The current rate on a 30-year mortgage is 3.40 percent.