With two secure incomes and money in the bank, Victoria and Stuart Glick have been shopping for a larger home since April, looking at more than 30 houses and making offers on three of them. The process has proved frustrating: The Glicks, who live in Dana Point and want to buy in Laguna Niguel, have lost out to other bidders all three times. And now, rising mortgage rates have left Victoria feeling less sure that they will find the ideal trade-up from the 850-square-foot cottage where they live with their 9-year-old daughter, Sarah. "It makes us nervous," Victoria said. "I don't know if we're going to wind up with that perfect house."