"... it is much easier to finance mortgages for houses, so the housing becomes more affordable ..." Not necessarily. Widespread access to greater amounts of af

"... it is much easier to finance mortgages for houses, so the housing becomes more affordable ..." Not necessarily. Widespread access to greater amounts of affordable credit also means that more people can afford to buy more expensive houses, which puts upward pressure on housing prices. So sure, you might get a better rate, but that better rate may well be negated by a higher purchase price.