Unlocking the Housing Markets: Dealing with the Rate Lock-in Trap

Whether you're looking for a home or retired, Unlocking the Housing Market: Breaking Free from the Rate Lock-InTrap explores the U.S. housing market's "lock-in" freeze andits gradual thaw in 2026. The lock-in effect traps homeowners with pandemic-era low rates (often <4%)who avoid selling to escape higher current rates (previously 6-8% post-2022),causing low inventory, elevated prices, and…