Over the past few months, in increasing desperate sounding letters, eMails and phone calls, my mortgage company has been begging me to re-fi my house. Or… even if I want to sell my house and maybe even buy a new one?

As it turns out, there is a reason for all this unseemly begging. I happen to have a good bit of equity in my house and I also have a locked rate of 2.5%. There is a shortage of houses on the market while mortgage applications are up 10% year over year. In essence, it’s a sellers market.

So why is it that I… and millions of other Americans are not selling or at least getting a refinance?

It’s the economy, stupid…