to rise for years i.e. low interest rates and stable economy. The only foreseeable thing that could get it to rise more is letting high risk borrowers qualify. Other than that, only small increases until the market conditions change.

The market conditions will change. It's just a matter of time. The economy will tank and interest rates will rise dramatically. You can bid adieu to your equity in your home when that happens. Of course, if you plan to hold for 30 years, you can buy whenever you can afford it and wait out the real estate cycles and get a bump for inflation.