I bought in October 2020 and couldn’t afford it now. I bought with a 15-year mortgage, which I feel unbelievably fortunate to have been able to do. If I was to refinance to a 30-year loan, I’d be paying $500 per month more than I am now, and that’s not accounting for the 25% increase in house value. It’s insane.
Totally. I fortunately work in a pretty stable field that is relatively open to remote work so I’m not too worried about being forced to move but I definitely didn’t buy this house with the intention of living in it forever either. I may be stuck here until it’s paid off though. But there are far worse financial situations to be in so I’m grateful to have a job and house and a little place to grow tomatoes. All in all, I have absolutely nothing to complain about.