Why the Housing Market Won't Crash (The "Frozen" Theory) copertina

Why the Housing Market Won't Crash (The "Frozen" Theory)

Why the Housing Market Won't Crash (The "Frozen" Theory)

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Is the housing market about to burst, or have we entered a new era of stagnation? 🧊🏠

In this Deep Dive, we analyze why the highly anticipated "crash" hasn't happened yet. The answer lies in the "Lock-In Effect"—a massive economic standoff where homeowners with historically low interest rates simply refuse to sell, strangling inventory and keeping prices artificially high.

🔥 In this episode, we cover:

  • The "Golden Handcuffs": Why millions of homeowners with sub-4% mortgage rates are effectively trapped in their current homes.

  • The Inventory Crisis: How the lack of new listings is protecting home values, even as demand softens.

  • The "Date the Rate" Myth: We debunk the popular real estate slogan and explain why refinancing later isn't a guaranteed safety net.

  • The New Normal: Why waiting for 3% rates to return might be a strategy that leaves you renting forever.

  • Who actually wins? The surprising demographic that benefits most from a frozen market.

🎧 Topics: Housing Market 2024/2025, Interest Rates, Mortgage Tips, Real Estate Investing, Economic Stagnation.

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