A Westchester real estate agent says to not let current mortgage rates deter you from buying.

Melissa Marcogliese, with Compass Real Estate, says if you look at what rates were 20 years ago, today's rates are considered low. She says mortgage rates were as high as 18%.

Marcogliese’s advice is if you find your dream home, talk to someone you trust-- someone who has been a longtime homeowner and can give you insight.

"In two to three years, it may go back down to two. You can refinance. But the good thing is you are always locked in on that 20-year, 30-year...whatever your mortgage is...you're locked in at that 5%,” Marcogliese says.

She says it's also in your best interest to put down at least 20% when you buy a home, and limit how much you'll owe the bank.