
GSE & FHFA
America’s accidental landlords: The hidden consequence of the mortgage lock-in effect
The mortgage lock-in effect is now pushing some homeowners to move without selling, creating accidental landlords. For mortgage pros, that means more two-home and rental-loan scenarios as rate lock-in distorts normal sales volume.
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HousingWire
2 min readJuly 28, 2026
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HousingWire
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GSE & FHFA