www.housingwire.com/articles/mor...
www.housingwire.com/articles/mor...
I think the nuanced answer, which the data seems to bear out, is that for the majority of existing mortgage holders, there's probably no lock in effect, but for the 20-30% who have sub-3.5% mortgages, its absolutely real.
www.housingwire.com/podcast/alto...