Scott and Julia Whitnall, both teachers, stand in front of the two-bedroom house they bought this year in Ripon, Calif. Like many first-time buyers with moderate incomes, they found they had to take on extra work, compromise on size and wait patiently for a house they could afford in today’s market. (Photo courtesy of Scott and Julia Whitnall)
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Like many moderate-income workers, public school teachers Julia and Scott Whitnall didn’t think they’d become homeowners in their early 30s. Especially in California…