For millions of Americans, “someday” is starting to look like “never” as home ownership moves further and further out of reach. Mortgage rates briefly surged past 7% this week following Moody’s downgrade of U.S. debt — a symbolic blow already translating into everyday financial strain. The average 30-year fixed mortgage now stands at 6.99% , according to Mortgage News Daily. Advertisement Sticker shock, month to month Pair that with today’s housing prices, and the math is sobering. In March,