Lock-in effect keeps homeowners from selling despite lower rates …
Jul 16, 2025 · The survey results point to a well-entrenched "lock-in effect," where homeowners are unwilling to give up the historically low mortgage rates they secured during the pandemic …
“Lock-In Effect” Tightens Its Grip And Freezes Mobility
4 days ago · Measuring The Lock-In Effect Even in more affordable markets, housing costs have risen, but the required increase in monthly payments to buy a typical home is smaller than the …
The Lock-In Effect: Will It Ever Let Go of the Housing Market?
Explore the "lock-in effect" in the housing market, where homeowners hesitate to sell due to low mortgage rates, leading to reduced inventory and continued market pressures. Learn how this …
The Lock-In Effect of Rising Mortgage Rates Ross M. Batzer, Jonah R. Coste, William M. Doerner, and Michael J. Seiler FHFA Staff Working Paper 24-03 August 2024 Abstract …
Lock-In Effect: Homeowners Cling To Lower Rates | Bankrate
May 20, 2024 · What is the lock-in effect? When housing economists, real estate agents and mortgage lenders talk about the lock-in effect, they’re referring to the surge in mortgage rates …
Lock-In Effect ‘Trapping’ Homeowners, Preventing Moves: Report
4 days ago · The lock-in effect—the gap between existing mortgage payments and the cost of financing a home today—continues to widely affect housing supply and is “trapping” …
Revealed: Top Frozen Housing Markets as Mortgage 'Lock-In Effect…
Dec 9, 2025 · The "lock-in effect" is felt especially acutely in expensive coastal markets, leaving them essentially frozen in terms of homeowner mobility and inventory growth.
The Lock-In Effect: Real Estate Trends You Need to Know
Welcome to the "Lock-In Effect"—a term now defining this unique housing trend. As mortgage rates climb to levels unseen in years, homeowners locked into historically low rates are …
Homeowners Feel ‘Trapped’ As Monthly Mortgage Payments Jump
15 hours ago · The “lock-in effect” is based on this growing discrepancy between current and new payments. Due to the fact that buying a new home in the same neighborhood would need …
The Mortgage Lock-In Effect: What It Is, Why It Matters, and How …
Aug 21, 2025 · The mortgage lock-in effect has frozen trillions in low-rate loans, trapping both homeowners and lenders. But with innovative solutions like Takara’s DREAM Program, it’s …