Over my 35 years in the mortgage business, I’ve seen plenty of market cycles, but what we’re seeing now is a real squeeze for renters dreaming of homeownership. The all-in cost of owning—when you factor in insurance, taxes, and utilities—often climbs above 50% of income for many renters. It’s not just about the sticker price of a home; it’s the layered costs that can make the difference between moving in or staying put. The 2026 ROAD to Housing Act aims to tackle this head-on by pushing for more affordable housing options near the places people actually want to live. But affordability shifts a lot from region to region, especially with the way insurance and taxes vary. As someone who’s helped thousands navigate these challenges, I know how critical it is to look beyond the monthly payment and understand the true financial commitment. That’s how you move from just wishing for a home to actually making it happen.
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