- Housing News
- January 28, 2026
The Mortgage Lock-In Effect Is Fading: Will More Affordable Homes Will Go Up for Sale?
Fewer homeowners with mortgages are “locked” into their homes due to super-low interest rates.
Clare Trapasso is the editorial director at New American Funding. She was previously the Executive News Editor for Realtor.com and a reporter for a Financial Times publication, the New York Daily News, and the Associated Press. She also taught journalism courses at several New York City colleges. She loves dogs, hiking and kayaking, and New York pizza.
Fewer homeowners with mortgages are “locked” into their homes due to super-low interest rates.
President Trump recently called on Congress to cap interest rates on credit cards at 10% for a year. He said this could help homebuyers save for a down payment. Could it backfire?
While homebuyers and homeowners have been eagerly waiting for mortgage interest rates to drop into the 5% range, rates stubbornly remained just above 6%.
Mortgage interest rates just dropped to their lowest point in nearly three-and-a-half years.
The top 10 housing markets of 2026 is based on where homebuyer demand is strong, affordability will improve, and locals have the financial means to purchase homes.
The lowest mortgage interest rates of 2025 just slid in under the end-of-year deadline, providing homebuyers and homeowners with some last-minute financial relief.
Homebuyers and homeowners have received the gift of lower mortgage interest rates this holiday season.
Mortgage interest rates ticked down ever-so-slightly as 2025 comes to a close.
Servicemembers and veterans who use a VA loan to buy a home may be able to increase their purchasing power in the new year. These are the new 2026 VA loan limits.
Will mortgage rates finally fall below 6%? Will home prices come down? Will more homes go up for sale in 2026? These are some of the big questions facing the housing market as we move into 2026.
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