Latest / Mortgage Research Network Podcast
Divorced… and Still Roommates? The 2% Mortgage Dilemma
In today’s affordability crunch, some divorced couples are choosing an unexpected path: sharing a home to keep a ~2–3% mortgage rate. Tim Lucas and Craig Berry unpack how ultra-low pandemic loans became “golden handcuffs,” reshaping family life and the housing market. You’ll learn:
Why stay put? The math behind keeping a 2.65% loan when today’s rates hover ~6.5%
Creative arrangements: “Nesting,” backyard trailers, even splitting a house in two
Market fallout: Lock-in reduced moves by ~1.72M (2022–2024) and pushed prices higher
The money trade-off: Roughly $2K more per year for every 1% rate…
The skinny
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