The Mortgage Lock-In Puzzle: Can We Unfreeze the Housing Market? | The Citi Institute Podcast
This comprehensive summary and fact-check is based on the Citi Institute report titled "Moving America." It explores the systemic macroeconomic drag caused by the "mortgage lock-in effect"—where millions of American homeowners are financially disincentivized from moving because they hold ultra-low fixed rates while current market rates have doubled.
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