She may be older than average for a first-time Latino home buyer, but the conditions that led up to this point are not.She’s always wanted her own place, but in recent years she’s struggled to save for a down payment or keep her credit score in good standing.She worked with a support program to help cover the upfront costs of buying a home for a long time.“It all makes it worth it because my tenant will cover my mortgage,” said Gamez, a retired preschool teacher.According to one estimate, Indeed, between 2020 and 2040, more than 70% of new homeowners will be Hispanic, with researchers predicting a trend that has prompted mortgage giant Freddie Mac to declare that “home ownership’s future is Hispanic.” Reason for some change to come: The Hispanic population is young and growing much faster than other demographic groups."