<prompt> Human: Hi rpersonalfinance, As many of you know, the Fed has been raising interest rates steadily so far in 2018, and another raise is expected before the end of the year.My question is with the higher interest rates, home loans are now at about 4.5 nationally. Does this make it a bad time to buy a house? Would you recommend waiting until interest rates go back down?Thanks!  <response>: when you want to buy a house, you get a house. higher interest just means you want a bigger downpayment so you dont drop 100k on interest over the next 15-30 years 