{"id":3058,"date":"2025-12-25T19:20:33","date_gmt":"2025-12-25T19:20:33","guid":{"rendered":"https:\/\/francechrono.com\/why-pre-biden-mortgages-froze-the-u-s-housing-market\/"},"modified":"2025-12-25T19:20:33","modified_gmt":"2025-12-25T19:20:33","slug":"why-pre-biden-mortgages-froze-the-u-s-housing-market","status":"publish","type":"post","link":"https:\/\/francechrono.com\/en\/why-pre-biden-mortgages-froze-the-u-s-housing-market\/","title":{"rendered":"Why Pre-Biden Mortgages Froze the U.S. Housing Market"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div>\n<hr\/>\n<div class=\"row\" style=\"margin-bottom:0px;\">\n<p>\n<button class=\"button expanded newsletterBtn\"><i class=\"fas fa-envelope\"><span>Email<\/span><\/i> Sign Up For Our Free Weekly Newsletter<\/button><\/p>\n<\/div>\n<p>The U.S. housing market isn&#8217;t breaking. It isn&#8217;t rebounding. It&#8217;s frozen &#8212; held in place over the last 3 years by the quiet force of lower mortgage rates, specifically those that originated before the Biden presidential era.<\/p>\n<p>Tens of millions of homeowners remain locked into loans carrying interest rates below 4%, a remnant of the pandemic refinancing boom. Replacing those mortgages today would mean rates above 6% and double-digit jumps in monthly payments. For most households, the math doesn&#8217;t work. They stay put.<\/p>\n<p>Repeated across the&#8230;<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.worldpropertyjournal.com\/real-estate-news\/united-states\/irvine\/current-mortgage-rate-data-for-december-2025-cotality-2025-mortgage-reports-thom-malone-2025-home-sales-data-federal-housing-finance-agency-14640.php\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Email Sign Up For Our Free Weekly Newsletter The U.S. housing market isn&#8217;t breaking. It isn&#8217;t rebounding. It&#8217;s frozen &#8212; held in place over the last 3 years by the quiet force of lower mortgage rates, specifically those that originated before the Biden presidential era. Tens of millions of homeowners remain locked into loans carrying [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72,42],"tags":[],"class_list":{"0":"post-3058","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-immobilier","7":"category-real-estate"},"_links":{"self":[{"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/posts\/3058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/comments?post=3058"}],"version-history":[{"count":0,"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/posts\/3058\/revisions"}],"wp:attachment":[{"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/media?parent=3058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/categories?post=3058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/francechrono.com\/en\/wp-json\/wp\/v2\/tags?post=3058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}