The highest rates in 20 years are dashing the dreams of some would-be homebuyers. Others stretch to buy but spend close to $1,000 a month more in monthly payments for a typical house.

For first time homebuyers it was one of the hardest years ever to afford a house. But homeowners saw tremendous gains in housing wealth.

Lots of speculators are jockeying to get in on the hot market. Sometime they call homeowners multiple times a day. It can be an invasive nuisance, or worse.

Sources tell NPR that the Biden administration is close to announcing its pick to run the Federal Housing Finance Agency, which oversees the $11 trillion mortgage market.

Mobile home owners right now are twice as likely as other homeowners to be behind on housing payments. And some are losing their homes over small amounts of rent they owe for land the home sits on.