Is the housing market really frozen by low-rate homeowners - or is that just a headline myth?

In this episode of Market Shares, I break down the data behind the so-called “lock-in effect” and reveal what’s actually driving buyer and seller behavior heading into 2026. From interest rates and inventory to equity, credit, and housing mobility, you’ll get a clear, data-backed view of where the market is going and how to position yourself ahead of the next shift.

If you’re in mortgage or real estate and want a smarter outlook on the 2026 housing market, this episode is a must-watch.

🧠 Topics We Cover:

• Is the mortgage lock-in effect real or overstated in today’s housing market?
• What current mortgage rate distribution (3%, 6%, 7%+) reveals about homeowner behavior
• Why homeowners are still buying and selling despite previously low interest rates
• How home equity, credit scores, and the “cash cushion” are fueling housing mobility
• The impact of rising insurance costs, property taxes, and lifestyle moves on transactions
• Inventory levels, foreclosure trends, and how today compares to historical norms
• What these housing market trends mean for buyers, sellers, and mortgage professionals in 2026

👉 This episode breaks down the data, trends, and strategies you need for 2026.
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