The Gutierrez family sits for a portrait on their back patio in Miami. Oswaldo Gutierrez and his parents bought a townouse between Sweetwater and Doral using a 30-year mortgage. He said they never could have afforded the home, where he now lives with his wife, parents and three children, without one. From front left: Jose Gutierrez, 89, Lucia Gutierrez, 51, Oswaldo Gutierrez, 53, and Daisy Gutierrez, 85. Oswaldo Gutierrez holds family dog Honey. From back left: Andrea Gutierrez, 23, Oswaldo A. Gutierrez, 26, and Kelly Gutierrez, 21. Oswaldo A. Gutierrez holds family dog Chiquita.
The Gutierrez family sits for a portrait on their back patio in Miami. Oswaldo Gutierrez and his parents bought a townouse between Sweetwater and Doral using a 30-year mortgage. He said they never could have afforded the home, where he now lives with his wife, parents and three children, without one. From front left: Jose Gutierrez, 89, Lucia Gutierrez, 51, Oswaldo Gutierrez, 53, and Daisy Gutierrez, 85. Oswaldo Gutierrez holds family dog Honey. From back left: Andrea Gutierrez, 23, Oswaldo A. Gutierrez, 26, and Kelly Gutierrez, 21. Oswaldo A. Gutierrez holds family dog Chiquita. Shannon Kaestle skaestle@miamiherald.com
The Gutierrez family sits for a portrait on their back patio in Miami. Oswaldo Gutierrez and his parents bought a townouse between Sweetwater and Doral using a 30-year mortgage. He said they never could have afforded the home, where he now lives with his wife, parents and three children, without one. From front left: Jose Gutierrez, 89, Lucia Gutierrez, 51, Oswaldo Gutierrez, 53, and Daisy Gutierrez, 85. Oswaldo Gutierrez holds family dog Honey. From back left: Andrea Gutierrez, 23, Oswaldo A. Gutierrez, 26, and Kelly Gutierrez, 21. Oswaldo A. Gutierrez holds family dog Chiquita. Shannon Kaestle skaestle@miamiherald.com

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