Bibliography
1. Realtor.com. “Mortgage Rate Lock-In Effect and Housing Inventory Constraints.” 2026. Analysis of how low-rate mortgages reduce housing supply and mobility.
2. Urban Institute. “Housing Affordability Trends and Cost Burden Analysis.” 2025. Data on rising ownership costs and affordability pressures.
3. National Association of Realtors. “Profile of Home Buyers and Sellers.” 2025. Evidence on homeowner behavior, tenure, and reluctance to sell under current rates.
4. Freddie Mac. “Primary Mortgage Market Survey.” 2021–2024. Historical data on 30-year fixed mortgage rate increases and payment impact.