Both homebuyers and owners should benefit from lower mortgage rates.IP Galanternik DU/Getty Images Affording a home still isn't cheap, but it's not the Herculean challenge it was a year ago. Mortgage rates are down, but many owners and buyers are waiting for them to fall more. Here are 22 real-estate markets that will gain from lower rates, according to Realtor.com. Home affordability has improved significantly as mortgage rates slide from multi-decade-highs, and prospective buyers aren't the only ones celebrating.Borrowing costs are far lower than they were last fall.