I don't know how hold "older people" are - but I'm twice your hypothetical person's age And I'd buy a house the same way today I would have 20 years ago - have

I don't know how hold "older people" are - but I'm twice your hypothetical person's age And I'd buy a house the same way today I would have 20 years ago - have enough of a downpayment (or be willing to accept PMI) to get the intetrest rate I want on a payment I can afford in a place I want to be It's not rocket surgery