If you’ve spent any time talking with first-time buyers lately, you’ve probably heard a common theme: Buying a home feels harder than it used to.
In many ways, that’s because it is.
For much of the past several decades, homeownership was viewed as a predictable milestone. People graduated, found a job, saved for a down payment and purchased a starter home. While every generation has faced challenges, today’s buyers are navigating a much different housing market than their parents or grandparents experienced…