Because of the persistently high interest rates — the rate for a 30-year mortgage is currently 6.4%, per the latest data from the Mortgage Bankers Association — the housing market has become increasingly out of reach for first-time buyers. Meanwhile, current homeowners have experienced the benefits of a rise in housing equity.The short answer is that this move could be good for you, but not so good for your kids. It will tie them into a loan agreement that could affect their ability to take out their own mo ...