A new survey from Coldwell Banker Real Estate suggests the mortgage rate “lock-in effect” that has constrained housing supply for the past several years may finally be starting to ease. The company’s 2026 Home Shopping Season Report, based on a survey of more than 700 active Coldwell Banker agents conducted between March 23 and April…
The rate lock-in effect has been a concern on the minds of many in real estate over recent years as mortgage rates have mostly stayed in the 6%-7% range. Homeowners with rates in the 2%-3% range, while they could potentially afford the price of a new home in selling their current one, have reportedly felt…
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When the Federal Reserve began aggressively raising interest rates in 2022, many analysts expected home prices to fall. But they didn’t. Instead, they soared. A new analysis from the Joint Center for Housing Studies (JCHS) at Harvard University helps explain why—and the answer is summed up in mortgage rate locks. From the start of 2021…