30Y in 30D, Y14: What Kind of People Are Getting Loans for Houses Right Now?

Jeffrey Goodman
10 min readNov 24, 2023

Who exactly is able to afford a house mortgage these days in the U.S.? A question from a reader sparks thoughts.

Photo by Shane on Unsplash

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(Full list of “30 Years in 30 Days” Series articles at bottom of this page.)
• 30Y in 30D, Y11: Dream Home or Financial Freedom? Rethinking the True Cost of Stretching
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• 30 Years in 30 Days • Year 3: Early Extra Payments Are Magical
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This was the question from Hanako in response to the previous article in this series, 30Y in 30D, Y13: What Does It Take to Pay Off a 30-Year Mortgage in 15 Years?:

“I am curious… what kind of people are getting loans for a house right now? It just

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Jeffrey Goodman

Navigating facts and numbers to help people. Strong opinions on climate change and healthcare. Objective, not neutral. MIT engineer, Wharton MBA.