you have to explain to them that you have been brainwashed by the pro rental propaganda over the past 2 decades, and that you never did the math to realize that of you are paying $1000 in rent, that is the same as a mortgage on a $125k house, and since you didn't buy a cheap home in your 20s because your expectations were too high, you have no equity to buy a nice house now that you are older. you may also have to tell them that no one told you that if it is your first home, you don't have to have a down payment because the government pays that for you. so you could have literally walked into a bank at any time and gotten a loan.
United States