"It's a great time to buy," he said. According to Flohr, interest rates through a program offered through his agency are at 2.6% — is a far cry from the rate of 13% when the agency was started in 1982, and better than the 7% rate a decade ago. "It means better buying power," Flohr said. He said he would be "surprised" if rates go up in the next couple of years. Adding to the housing outlook, Flohr said, is a "good homebuilding community" in Fargo and the state, and he hopes they can step up and help figure out more affordable home options. His agency also offers attractive programs for first-time homebuyers. Operating through private lenders, the program can assist with down payments and closing costs, too.