Justin Gwizdala, 33, recently purchased his third home. He and his wife had been waiting for mortgage rates to come down and for the right house to come on the market so that they could move closer to family and friends in the northeast suburb Lake Forest. The last time the father of three bought a home — in 2021 — he snagged a 3% mortgage rate for a five-bedroom home in Hawthorn Woods. Mortgage rates have since shot up, but Gwizdala said he was pleasantly “shocked” to secure a mortgage rate under 6% for his most recent home purchase.