Steven and Katherine Wolf missed out on the ultra-low mortgage rates of the pandemic. By the time the couple secured solid jobs and could buy a home, borrowing costs more than doubled. Rather than wait, the former renters jumped into home ownership in fall 2022. They also stretched, buying a Bakersfield home that carried an uncomfortable monthly payment. Steven Wolf figured the pain would be fleeting.
Your credit score could drop and lenders will charge you more. Amy Ramirez is among the many Americans who say they have no regrets. She and her wife Noelle bought a home in Rancho Cucamonga in March, can comfortably afford it and love the additional space compared to the property they sold in Los Angeles.
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