This article was sent to me by one of my mortgage lenders. It is really good and I thought I would post it here for all to see. Provided by Dow Jones By Holden Lewis --This article is reprinted by permission from NerdWallet. If you want to buy a home, it's tempting to be in denial that this is happening. The era of low mortgage rates is over. Embracing this reality will hasten your owning a...