The traditional American starter home—the quaint, ranch-style two-to-three bedroom home young families once began their journey of wealth creation—is on life support. The U.S. is currently short nearly 4 million homes, according to Goldman Sachs. A number of factors have defeated that essential stepping stone, from sky-high prices to strangling zoning constraints. But for Better.com CEO Vishal Garg, the main barrier lies in the mortgage.“One of the core reasons why people, even the home builders, don’t buil ...