Homeowners trapped by rate lock-in, unable to move without losing favorable mortgage rates

37% of homeowners are financially paralyzed by the gap between their current low mortgage rates and today's higher rates, making relocation economically unfeasible. They're stuck in homes that no longer meet their needs because selling and buying at current rates would cost them hundreds of thousands in additional interest over the loan term. Existing solutions like rate buydowns and portable mortgages are either unavailable, too expensive, or not widely understood by homeowners.