🔓 The Mortgage Lock-In Is Breaking — What It Means for Buyers & Sellers in 2026 🏡📉

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 15/01/2026

The Mortgage Lock-In Effect Is Fading — and That Changes Everything For nearly three years, the U.S. housing market has been frozen by one powerful force: the mortgage lock-in effect. Millions of homeowners with ultra-low pandemic-era mortgage rates simply refused to move, choking off inventory and keeping prices elevated despite higher interest rates.