📉 Mortgage Rates, Lock-In Effect & 2025 Housing Market Moves

In this episode of the Mortgage Heroes Podcast, Brian and Will dive deep into two of the hottest topics affecting real estate and homeownership today:

✅ Mortgage Rates Tick Up (Again):
We break down what recent rate increases mean for homebuyers, sellers, and current homeowners. Is now a good time to buy or refinance? Should you pay points to lower your rate? And what does the Fed’s rate talk really mean for mortgages?

🔐 Housing Lock-In Effect at Multi-Decade Highs:
We unpack the golden handcuffs many homeowners feel trapped in—holding ultra-low 2% interest rates while unable (or unwilling) to move due to today’s much higher rates. How is this affecting inventory, mobility, and affordability—especially for first-time buyers and military families?

💥 Whether you're trying to get ahead of rate shifts, wondering when housing inventory will open up, or just want to understand how the 2025 market is shaping up—this episode is for YOU.

🎯 Topics Covered:
- Why you shouldn’t pay to buy down your rate right now
- What “missing two payments” really means in a mortgage
- How the Fed rate differs from mortgage rates
- What could finally break the housing “lock-in” cycle
- Tips for military families navigating limited housing options
- Why investors are holding vs. selling
- How to position yourself before rates drop again

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