By: Clare Trapasso (realtor.com)Q:Between the increases in mortgage rates and prices, it’s so hard to afford a home now. Should I max out my budget?Don’t do it.Granted, it’s hard not to buy a home at the top of your budget when prices have hit record highs and mortgage rates are climbing—especially if you fall in love with a particular property and get into a bidding war over it. But I urge you to...