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For many U.S. adults, homeownership is slipping farther out of reach as costs grow prohibitively unaffordable. Following rock-bottom mortgage rates during the height of the pandemic, home sales nosedived to their slowest pace in decades as the Federal Reserve raised rates in 2022 and 2023, and volumes remain subdued so far in 2024. Financing costs are not the only obstacle to buying, however: Housing prices have continued to soar as inventory remains tight, and several years of elevated inflation has left many households with insufficient savings for a down payment.Latest
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