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A home that looked affordable two years ago can feel out of reach today, even if the listing price has barely moved. The reason is often not the house itself. It is the financing. Mortgage rates remain one of the biggest forces shaping the housing market. Buyers are dealing with higher monthly payments, stricter underwriting, limited inventory, and an economy that keeps sending mixed signals. Wages have risen in many fields, but so have insurance premiums, property taxes, gro