Thinking about buying a house? A lot of millennials and Gen Zers are rolling the dice on adjustable-rate mortgages, hoping rates will drop soon so they can refinance. But experts say this is like betting your rent money on a coin toss—if rates don’t fall, your monthly payment could jump, leaving you stressed and stretched. If you’re house hunting, make sure your budget can handle a surprise rate hike! #RealEstate #mortgage #homebuying