Lock-In Effect Leading Many Homeowners to Tap Into Soaring Home Equity
By Mark Gilman Homeowners who took advantage of low interest rates years ago now face mortgage rates upwards of 8 percent and are not moving. Referred to as the “lock-in effect,” those rooted residents have dramatically affected what has become an inventory-depleted housing market. But those locked-in homeowners are also relishing near-record equity levels that have built up in their…
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