The younger generation appears ready to take the plunge into the housing market, but finding an affordable home and gaining access to credit remain the top challenges, especially when it comes to African-Americans and Latinos, according to some experts. Mark Fleming, chief economist with First American, sponsor of a housing forum on Capitol Hill this week, said the way mortgage credit is formulated today doesn’t necessarily fit the type of ethnically diverse, millennial borrower of the future. “Ethnically diverse communities tend...