Mortgage rates have remained stubbornly high: hovering at more than 6%, well above the sub-3% rates during the pandemic. That makes homeownership increasingly unaffordable for many Americans, as home prices have risen more than 50% since 2020. During the pandemic, home buyers got accustomed to sub-3% mortgage rates, which made purchasing a house feel more achievable. But in the past couple of years, buyers have had no such luck. In late 2023, mortgage rates peaked at 8%. They’ve let up some, today’s 30 ...