Mortgage Rate Lock-In Persists, With Ultralow Rate Holders Showing Little Sign of Budging
The housing market remains constrained by a rate-lock effect, as nearly half of all homeowners hold mortgage rates of 4% or lower.
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The housing market remains constrained by a rate-lock effect, as nearly half of all homeowners hold mortgage rates of 4% or lower.
There are major pros and cons associated with a mortgage interest rate lock to know now. Here are four to consider.
The MOVE Act targets mortgage lock-in with portable mortgages that could affect seller mobility, housing inventory, and real estate transactions. The post MOVE Act Takes Aim at Mor...
Low-rate mortgages are keeping homes off the market and sending some failed listings into the rental pool, reshaping seller consultations. The post Mortgage Lock-In Is Sending More...
Total locks fell 9% from July as the 30-year conforming rate ended August at 6.72% and refi demand stayed limited
Mortgage lock-in is increasingly shifting homeowners into accidental landlord roles as selling becomes less viable. Data show 30-year rates at 6.43% and FHFA estimates lock-in prev...
Rep. Tom Kean introduced it August 3 2026. It tells Fannie Mae and Freddie Mac to buy portable mortgages within 180 days if law passes. The exact text says the transfer only happen...
The product allows customers to choose a fixed-rate period of 39, 52 or 65 months, during which their interest rate and EMI remain unchanged even if the repo rate changes
Mortgage rates are on the rise after Britain's borrowing costs hit highs not seen for nearly three decades earlier this week.
Purchase demand fell as borrowers faced renewed affordability pressure with rates stuck at 6.77%
Green Haven Capital's Kevin Oto explains why buyers who fixate on rate alone risk losing the house they want
A $300,000 example shows how early payments can send nearly $1,750 a month toward interest, while loan terms shape your long-term costs.
Mortgage spreads at 2.01% are keeping 2026 mortgage rates near 6.74%, supporting pending sales and limiting year-over-year declines.
Federal protections can preserve inherited loans, but heirs say documentation loops and refinance pressure put affordable payments at risk.
Rates hold around 6.67% as Fed rate increase fears linger — but brokers say buyers aren't waiting for relief
One law, two new rulebooks - and a 30-day clock now ticking on some home sales
Optimal Blue data shows purchase loans outpacing year-ago levels even as overall market softens
A&D Mortgage's CEO says the dam breaks below a certain number, and the time to get ready is now
Loans are available for any home purchase, not only Opendoor-owned properties
Green Haven Capital's Kevin Oto on why disciplined planning, not rate timing, drives smarter refinancing decisions today
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