Jan 2, 2024 · Being flexible with your schedule is important, even though it might feel a bit stressful to drop everything and leave when buyers want to see it. After all, minimal access means minimal exposure to buyers. ShowingTime advises: “. . . do your best to be as flexible as possible when granting access to your house for showings.”. The first is the mortgage rate lock-in effect. Basically, some homeowners are reluctant to sell because of where mortgage rates are right now. They don’t want to move and take on a rate that’s higher than the one they have on their current home. The chart below helps illustrate just how many homeowners may find themselves in this situation:Mar 23, 2023 ... RICHMOND, Va., March 23, 2023--Today Keeping Current Matters(R) (KCM) announced George Ratiu as the company's chief economist, ...Jan 11, 2024 · Based on this data, it’s clear no matter what your income level is, owning a home can really boost your wealth. Nicole Bachaud, Senior Economist at Zillow, shares: “The biggest asset most people are ever going to own is a home. Homeownership is really that financial key that helps unlock stability and wealth preservation across generations.”. As you can see in the orange bars on the left, on average, experts forecast prices will end this year up about 2.8% overall, and increase by another 1.5% by the end of 2024. That’s big news, considering so many people thought prices would crash this year. The truth is, prices didn’t come tumbling way down in 2023, and that’s because there ...Tracking your credit and disputing any errors that show up on your reports. Paying your bills on time. This includes making loan payments and paying down any open lines of credit. Keeping your credit card balances low. Paying more than your minimum monthly balance when you’re able can help.Jul 22, 2021 · The latest Monthly Housing Market Trends Report from realtor.com says: “In June, newly listed homes grew by 5.5% on a year-over-year basis, and by 10.9% on a month-over-month basis. Typically, fewer newly listed homes appear on the market in the month of June compared to May. This year, growth in new listings is continuing later into the ... KCM Headquarters (631) 787-6200. 8720 Stony Point Pkwy, Suite 400 Richmond, VA 23235. General Inquiries | [email protected] Member Support | [email protected] The difference between matter and energy is that energy is produced from matter yet has no mass and is the capacity to do work while matter is the physical “stuff” in the universe....Jan 5, 2024 · 8720 Stony Point Pkwy Suite 400 Richmond, VA 23235 (631) 787-6200 Email KCM Feb 12, 2024 · The Latest 2024 Housing Market Forecast. The new year is right around the corner, and you might be wondering if 2024 will be the right time to buy or sell a home. Learn about the latest housing market updates. We cover everything you need to know about buying, selling, and navigating the housing market right now. The first is the mortgage rate lock-in effect. Basically, some homeowners are reluctant to sell because of where mortgage rates are right now. They don’t want to move and take on a rate that’s higher than the one they have on their current home. The chart below helps illustrate just how many homeowners may find themselves in this situation:Keeping Current Matters Launches KCM Local, Provides Localized Housing Market Data Down to Zip Code. Keeping Current Matters Selected as 2023 HousingWire Tech100 Real Estate Honoree. Keeping Current Matters Joins …Dec 4, 2023 ... ... Find us on: Instagram: @KeepingCurrentMatters Facebook: Keeping Current Matters LinkedIn: Keeping Current Matters.Some Highlights. VA home loans can help people who served our country become homeowners.; These loans can help qualified individuals purchase a VA-approved home or condo, build a new home, or enhance their current one.; Owning a home is the American Dream, and one way to show our appreciation to veterans is by providing them …A great way to balance those emotions and make sure you’re confident in your decision is to keep these three best practices in mind when you’re ready to sell. 1. Price Your Home Right. The housing market shifted in 2023 as mortgage rates rose and home price appreciation started to normalize once again. As a seller, you still need to ...As Director of Growth Marketing at Keeping Current Matters (KCM), Jack Goodall heads up the marketing strategy for customer acquisition and paid advertising campaigns. By combining clear messaging and valuable content, Jack communicates how to deliver timely market insights to build the brands of real estate agents across the country.7204 Glen Forest Dr Suite 204 Richmond, VA 23226 (631) 787-6200. Email KCMFeb 8, 2024 · Here’s how: Be an all-cash buyer: If you’ve been living in your current home for a long time, you might have enough equity to buy your next home without having to take out a loan. If that’s the case, you won’t need to borrow any money or worry about mortgage rates. Investopedia states: “You may want to pay cash for your home if you ... The National Association of Realtors (NAR) is set to release its most recent Existing Home Sales (EHS) report tomorrow. This monthly release provides information on the volume of sales and price trends for homes that have previously been owned. In the upcoming release, it’ll likely say home prices are down.Jul 22, 2021 · Learn how the current real estate market is shaped by a shortage of homes for sale, buyer competition, home price appreciation and rising home equity. Find out how to take advantage of the opportunities and challenges of today's market with a …One of the Fed’s primary goals is to lower inflation. In order to do that, they started raising the Federal Funds Rate to slow down the economy. Even though this doesn’t directly dictate what happens with mortgage rates, it does have an impact. Recently inflation has started to cool, a signal those increases worked and are bringing ...When it comes to understanding the dynamics of a vehicle, one important aspect to consider is its wheelbase. The wheelbase refers to the distance between the centers of the front a...Jan 22, 2024 ... ... Find us on: Instagram: @KeepingCurrentMatters Facebook: Keeping Current Matters LinkedIn: Keeping Current Matters.Nov 28, 2023 · The latest results show that more experts now think we’re not headed for another recession ( see chart below ): This is big news for the housing market. And while the 48% to 52% split may seem close to half and half, the key thing to focus on is that the majority of these experts think we’ve avoided a recession already. Dec 20, 2023 · One of the Fed’s primary goals is to lower inflation. In order to do that, they started raising the Federal Funds Rate to slow down the economy. Even though this doesn’t directly dictate what happens with mortgage rates, it does have an impact. Recently inflation has started to cool, a signal those increases worked and are bringing ... The latest Monthly Housing Market Trends Report from realtor.com says: “In June, newly listed homes grew by 5.5% on a year-over-year basis, and by 10.9% on a month-over-month basis. Typically, fewer newly listed homes appear on the market in the month of June compared to May. This year, growth in new listings is continuing later into …Keeping Current Matters Joins Tom Ferry’s 2023 Roadmap Tour for Agents Keeping Current Matters Get Great Place to Work Certified™ for Seventh Year in a Row Keeping Current Matters Launches RealTalk by KCM™, the First All-in-One Video Creator for Real Estate Agents Urban Institute explains how this is impacting buyers and sellers right now: “When mortgage rates go up, monthly housing payments on new purchases also increase. For potential buyers, increased monthly payments can reduce the share of available affordable homes . . . Additionally, higher interest rates mean fewer homes on the …Keeping Current Matters Pricing*. $29.95/mo for Basic. $49.95/mo for Pro. 14-day trial. The basic plan is $29.95/mo and gets you daily blog posts, the buyer and seller guides, access to their Facebook group, and market …This guidance sets out the pathways of children’s development in broad ages and stages. The actual learning of young children is not so neat and orderly. For that reason, accurate and ...Mar 23, 2023 ... Today Keeping Current Matters(R) (KCM) announced George Ratiu as the company's chief economist, effective immediately.8720 Stony Point Pkwy Suite 400 Richmond, VA 23235 (631) 787-6200 Email KCM ... rates impact what you can afford and how much you'll pay each month. Read more. Real Estate Blog – Keeping Current Matters. 12 hours ago. Share. Load More.Jan 17, 2024 ... 3:51 · Go to channel · FREE SCRIPT! | Make a Housing Market Forecast Video this Month! | January 2024. Keeping Current Matters•3.7K views.Nov 22, 2023 · That’s because the market is less active in January and February since fewer people move in the cooler months. As the market transitions into the peak homebuying season in the spring, activity ramps up, and home prices go up a lot more in response. Then, as fall and winter approach, prices still grow, just at a slower pace as activity eases ... Here’s the data to prove it. The ShowingTime Showing Index is a measure of buyers touring homes. The graph below uses the latest numbers available and compares them to the same month in the last normal years to show just how active today’s buyers still are: As you can see, when June 2023 numbers are stacked alongside what’s typical for ...Keeping Current Matters is your go-to source for content that builds trust so you can spend less time worrying about what to say and more time giving expert guidance to your clients. What you’ll love about Keeping Current …Keeping Current Matters. If you’re working with buyers, offering a home buyer education is not a perk – it’s a necessity. And too many agents are leaving their clients in the dark. When the real estate legends at 1000watt release a survey, you can bet there are…. One month ago today, I was in Las Vegas with almost 3,000 top agents for ...HOW TO MAKE PROFESSIONAL REAL ESTATE VIDEOS IN MINUTES WITH REALTALK BY KCM™. 1. SELECT YOUR SCRIPT. Choose from expert-written scripts, templates, and AI-powered insights that explain your local market. 2. REHEARSE & RECORD. It’s easy with the built-in teleprompter right on your phone. 3. Here’s a graph showing those two metrics since Freddie Mac started keeping mortgage rate records in 1972: As the graph shows, historically, the average spread between the two over the last 50 years was 1.72 percentage points (also commonly referred to as 172 basis points). If you look at the trend line you can see when the Treasury Yield ...STEP 1: Watch “ 5 Biggest Questions Every Agent Must Be Able To Answer ” NOW! “. ”. TRY KCM FREE. On this webinar, we’ll cover the most critical questions that buyers and sellers are asking in today’s market. Watch it now to get the answers and resources you need to differentiate yourself and compete during this time of crisis.Step 3: Presenting the PEAR. The key to delivering the PEAR is that it’s in person. This isn’t something you’re just emailing out. It’s part of your listing presentation….but can be done without the formal “I’m selling” precedent. Ideally, a PEAR presentation is done in the home.Keeping Current Matters helps real estate agents become trusted advisors with curated market insights and educational content. If you're a real estate professional who wants to stay up-to-date on ... When a House Becomes a Home It's clear that owning a home makes financial sense. But lately, the emotional side of what drives homeownership is becoming ...Jul 22, 2021 · Learn how the current real estate market is shaped by a shortage of homes for sale, buyer competition, home price appreciation and rising home equity. Find out how to take advantage of the opportunities and challenges of today's market with a …1. SEARCH BY MARKET. Create your custom search by selecting any county, city, or zip code to access local market data from anywhere in the United States. 2. COMPARE NATIONAL TRENDS. Combine your local perspective with national comparisons on visuals for 10 data points that give you the full picture – all in one place. 3. It combines survey results from over 100 economists, investment strategists, and housing market analysts. The HPES found that the average from all 100 of those experts is 3.3% price growth for the year. If you look back at the graph above, you’ll notice the blue average for the forecasts in this graph is also 3.3%.Confidently establish credibility as a trusted advisor in the real estate market by staying up-to-date on the latest news and insights.Twitter. When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs as you plan your move. One thing that may be working in your favor is how few homes there are for sale right now. Here’s what you need to know about the current inventory situation and what it means for you.Keeping Current Matters, Richmond, Virginia. 187,190 likes · 3,397 talking about this · 112 were here. www.KeepingCurrentMatters.com - Welcome, KCM Community! Overview. Keeping Current Matters is a content marketing service for real estate agents. They create blog posts that you can share on your social media accounts. The content features call-to-actions that pass leads to you. It is a way to keep your social media busy with quality real estate content.Appreciation: when prices increase. Deceleration of appreciation: when prices continue to appreciate, but at a slower or more moderate pace. Depreciation: when prices decrease. Don’t let the terminology confuse you or let any misleading headlines cause any unnecessary fear. The rapid pace of home price growth the market saw in recent …Social Graphics from KCM provides you with thumb-stopping graphics to fill your social media feeds, answer your clients’ biggest questions, and position you as the trusted expert. Leading agents now have a simple and consistent way to grow their following, build relationships, and turn leads into clients. Plus, with an Automatic Posting ...Keeping Current Matters. If you’re working with buyers, offering a home buyer education is not a perk – it’s a necessity. And too many agents are leaving their clients in the dark. When the real estate legends at 1000watt release a survey, you can bet there are…. One month ago today, I was in Las Vegas with almost 3,000 top agents for ...Feb 14, 2024 · A Feeling of Belonging. You may also find you feel much more at home in the community once you own a house. That’s because, when you buy a home, you’re staking a claim and saying, I’m a part of this community. You’ll have neighbors, block parties, and more. And that’ll give you the feeling of being a part of something bigger. But that’s not the best strategy. A recent survey from Zonda shows 53% of millennials are still renting right now because they’re waiting for home prices to come down. But here’s the thing: the most recent data shows that home prices appear to have bottomed out and are now on the rise again. Selma Hepp, Chief Economist at CoreLogic, reports:Newly built homes are becoming an increasingly significant part of today’s housing inventory. According to the most recent report from the National Association of Home Builders (NAHB): “ Newly built homes available for sale accounted for 31% of total homes available for sale in November, compared to an approximate 12% historical …3 Keys To Hitting Your Homeownership Goals in 2024. If buying or selling a home is your goal for 2024, it’s important to understand today’s housing market, know your why, and work with industry experts to bring your homeownership vision for the new year into focus. January 1, 2024 by KCM CREW. For Sellers, Infographics, Selling Myths.Looking at the right side of the graph, mortgage rates have increased significantly since the start of last year. But even with that rise, today’s rates are still below the 52-year average. While that historical perspective is good context, buyers have gotten used to mortgage rates between 3% and 5%, which is where they’ve been over the ...6 days ago · America is committed to using its nuclear weapons to defend European allies. That includes both its “strategic” nuclear forces, those in submarines, silos and bombers, and the smaller, shorter ...Keeping Current Matters Joins Tom Ferry’s 2023 Roadmap Tour for Agents Keeping Current Matters Get Great Place to Work Certified™ for Seventh Year in a Row Keeping Current Matters Launches RealTalk by KCM™, the First All-in-One Video Creator for Real Estate Agents Jan 22, 2024 · A great way to balance those emotions and make sure you’re confident in your decision is to keep these three best practices in mind when you’re ready to sell. 1. Price Your Home Right. The housing market shifted in 2023 as mortgage rates rose and home price appreciation started to normalize once again. As a seller, you still need to ... Non-matter are concepts and things that do not possess mass or take up physical space. Non-matter objects typically do not carry a scent, nor can they be tasted or touched. Various...The National Association of Realtors (NAR) is set to release its most recent Existing Home Sales (EHS) report tomorrow. This monthly release provides information on the volume of sales and price trends for homes that have previously been owned. In the upcoming release, it’ll likely say home prices are down.Keeping Current Matters (KCM) is a membership service that provides real estate agents with curated market insights, done-for-you content, and professionally designed content for social media and marketing campaigns. KCM also offers an all-in-one video maker for real estate agents that uses artificial intelligence to create videos from the insights and data of KCM. So, if we compare February 2023 with the more normal, pre-pandemic years, data shows this year still marks a clear rise in buyer activity. The uptick in buyer traffic is even more noteworthy considering the increase in mortgage rates this February. The Freddie Mac 30-year fixed mortgage rate rose from 6.09% during the week of February 2 …The numbers for 2021 and 2022 were lower than more typical years. That’s in part because the government provided trillions of dollars in aid to individuals and businesses during the pandemic. So, let’s instead focus on the bar for this year and compare it to the bar on the far left (2019). It shows the number of bankruptcies today is still ...With a combination of data, insights and an action plan, our free 2023 Housing Market Forecast is the perfect tool to help you start the year off right. Download it today. There are a lot of questions about what the future of real estate holds. This is what experts forecast for the 2023 housing market.In today’s fast-paced world, convenience is everything. Whether it’s ordering groceries online or getting a ride with just a few taps on your smartphone, people are constantly seek...1,810 likes, 11 comments - keepingcurrentmatters on February 20, 2024: "For all your first-time homebuyers ️ Despite today’s limited inventory and ongoing..."Feb 8, 2024 · Here’s how: Be an all-cash buyer: If you’ve been living in your current home for a long time, you might have enough equity to buy your next home without having to take out a loan. If that’s the case, you won’t need to borrow any money or worry about mortgage rates. Investopedia states: “You may want to pay cash for your home if you ... According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think: Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down …A great way to balance those emotions and make sure you’re confident in your decision is to keep these three best practices in mind when you’re ready to sell. 1. Price Your Home Right . The housing market shifted in 2023 as mortgage rates rose and home price appreciation started to normalize once again. As a seller, you still need to ...8720 Stony Point Pkwy Suite 400 Richmond, VA 23235 (631) 787-6200 Email KCMAfter the 14-day free trial, the KCM Membership is available in three (3) options: Essentials for $39.95/month, Expert for $59.95/month, and Elite for $99.95/month. With an annual plan, you get the equivalent of two (2) months free per year. Learn more about our pricing & plans. With our monthly plans, there is no long-term contract or commitment. According to Freddie Mac, 2020 and 2021 each had historic appreciation numbers. Here’s a graph also showing the more normal years (2017-2019): We can see that we’re returning to more normal home value increases. There were several months of minimal depreciation in the second half of 2022.Spring has arrived, and that means more and more people are getting their homes ready to sell. But with recent shifts in real estate, this year’s spring housing market will be different from the frenzy of the past several years. To sell your house quickly, without hassles, and for the most money, be sure to follow these four simple tips:Research shows that presentations with visuals are 43% more persuasive than unaided presentations, so including professional visuals in your presentations & marketing will maximize the impact your message has on your prospects & clients. We’ve done the hard work for you – all you need to do is download them and add them to your ...The first is the mortgage rate lock-in effect. Basically, some homeowners are reluctant to sell because of where mortgage rates are right now. They don’t want to move and take on a rate that’s higher than the one they have on their current home. The chart below helps illustrate just how many homeowners may find themselves in this situation:Social Graphics from KCM provides you with thumb-stopping graphics to fill your social media feeds, answer your clients’ biggest questions, and position you as the trusted expert. Leading agents now have a simple and consistent way to grow their following, build relationships, and turn leads into clients. Plus, with an Automatic Posting ...Mortgage rates have been back on the rise recently and that’s getting a lot of attention from the press. If you’ve been following the headlines, you may have even seen rates recently reached their highest level in over two decades (see graph below): . That can feel like a little bit of a gut punch if you’re thinking about making a move.If you’re …Real Estate Blog. Start a Free Trial. Speakers Bureau. About KCM. Success Stories. Our Story. FAQs. News & Press. Careers. Contact. Recent Blog Posts. Is It Really Better To Rent Than To Own a Home Right Now? Where Will You Go After You Sell Your House? [INFOGRAPHIC] Equity Gains for Today’s Homeowners. Contact Us. 8720 Stony Point …Jan 25, 2024 · This is especially helpful for those first-time homebuyers who may be finding it tough to afford a home on their own in today’s market. Buyers are also turning to multi-generational homes so they can more easily afford their dream home. Both first-time (28%) and repeat buyers (18%) chose to live with others so they could buy a larger home. Keeping Current Matters. If you’re working with buyers, offering a home buyer education is not a perk – it’s a necessity. And too many agents are leaving their clients in the dark. When the real estate legends at 1000watt release a survey, you can bet there are…. One month ago today, I was in Las Vegas with almost 3,000 top agents for ...Nov 28, 2023 · The latest results show that more experts now think we’re not headed for another recession ( see chart below ): This is big news for the housing market. And while the 48% to 52% split may seem close to half and half, the key thing to focus on is that the majority of these experts think we’ve avoided a recession already. Feb 5, 2024 · Agents Know the Local Area and Market. It’s important to consider how the neighborhood and surrounding area may evolve before making your home purchase. Your agent is well-versed in the upcoming communities and developments that could influence your decision. One way a real estate agent can help is by reviewing the builder’s site plan. Jul 22, 2021 · The latest Monthly Housing Market Trends Report from realtor.com says: “In June, newly listed homes grew by 5.5% on a year-over-year basis, and by 10.9% on a month-over-month basis. Typically, fewer newly listed homes appear on the market in the month of June compared to May. This year, growth in new listings is continuing later into the ... Relocation. Some of the things that can motivate a move to a new area include changing jobs, a desire to be closer to friends and loved ones, wanting to live in your ideal location, or just looking for a change in scenery. For example, if you just landed your dream job in another state, you may be thinking about selling your current home and ...Home Values Appreciate over Time. There’s been a lot of confusion around what’s happened with home prices over the past two years. While they did dip ever so slightly in late 2022, this year they’ve been appreciating at a more normal pace, which is good news for the housing market. And while looking at price movement over just a year …Keeping Current Matters doesn't want to bother the consumer, so you can easily enjoy NordVPN Get a Special Offer - 67% OFF. If you have used it successfully, you can get up to 20% OFF. Coupon Codes are widely used to give you …
About The KCM Crew. We at The KCM Crew believe every family should feel confident when buying & selling a home. KCM helps real estate professionals reach these families & enables the agent to simply & effectively explain a complex housing market. Take a 14-Day Free Trial of our monthly membership to see how we can help you! . Speed car
User ID. Password. Forgot your password? Reset it here. Do you want to make a Referral? Make Referral. Grasp and Grow KeepCurrent Early Education Management Application For Public.Keeping Current Matters (KCM) is a membership service that provides real estate agents with curated market insights, done-for-you content, and professionally designed content for social media and marketing campaigns. KCM also offers an all-in-one video maker for real estate agents that uses artificial intelligence to create videos from the insights and data …Jan 24, 2024 · An article from Freddie Mac explains: “The lack of housing supply was partly driven by the rate lock-in effect. . . . With higher rates, the incentive for existing homeowners to list their property and move to a new house has greatly diminished, leaving them rate locked.”. These homeowners decided to stay put and keep their current lower ... 1. SEARCH BY MARKET. Create your custom search by selecting any county, city, or zip code to access local market data from anywhere in the United States. 2. COMPARE NATIONAL TRENDS. Combine your local perspective with national comparisons on visuals for 10 data points that give you the full picture – all in one place. 3. SHARE POWERFUL …In today's housing market, you can still come out on top if you have the right team and plan. To win when buying a home, you need to build your team, make strategic plays, consider what’s in and out of bounds, and stand out from the crowd. Connect with a local real estate agent today to make your winning move.Jan 25, 2024 ... ... Find us on: Instagram: @KeepingCurrentMatters Facebook: Keeping Current Matters LinkedIn: Keeping Current Matters.In today’s fast-paced world, staying informed is more important than ever. With the rise of social media and instant news updates, it’s easy to think that we have all the informati...Feb 4, 2021 · Keep current on news and insights of the national housing market with articles from the most shared content in real estate. Share a branded version of the KCM blog, complete with your name & contact infoOct 24, 2023 · Twitter. When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs as you plan your move. One thing that may be working in your favor is how few homes there are for sale right now. Here’s what you need to know about the current inventory situation and what it means for you. Keeping Current Matters helps real estate agents become trusted advisors with curated market insights and educational content. If you're a real estate professional who wants to stay up-to-date on ... As you can see in the orange bars on the left, on average, experts forecast prices will end this year up about 2.8% overall, and increase by another 1.5% by the end of 2024. That’s big news, considering so many people thought prices would crash this year. The truth is, prices didn’t come tumbling way down in 2023, and that’s because there ...1. The desire to own a home doesn’t stop during the holidays. While a few buyers might opt to delay their moving plans until January, others may need to move now because something in their life has changed. The buyers who look for homes at this time of year are usually motivated to make their move happen and are eager to buy.Feb 14, 2024 · California and Oregon have already broken with the CDC, suggesting that people don't need to stay home if they've been fever-free for 24 hours without medication. “With each day, the risk of ...Equality vs. equity — sure, the words share the same etymological roots, but the terms have two distinct, yet interrelated, meanings. Most likely, you’re more familiar with the ter...The second map shows, nationwide, home prices appreciated by an average of over 297% over a roughly 30-year span. This nationwide average tells you the typical homeowner who bought a house 30 years ago saw their home almost triple in value over that time. That’s a key factor in why so many homeowners who bought their homes years …Here’s just one reason why. Many baby boomers don’t want to move. Data from the AARP shows over half of the surveyed adults ages 65 and up plan to stay put and age in place in their current home rather than move ( see chart below ): Clearly, not every baby boomer is planning to sell or move – and even those who do won’t do it all at once.6 days ago · America is committed to using its nuclear weapons to defend European allies. That includes both its “strategic” nuclear forces, those in submarines, silos and bombers, and the smaller, shorter ...They should be brief, friendly and cover these bases: Set expectations for frequency (weekly, bi-weekly, monthly) Incite some sort of action (set up an appointment, follow on social, etc) Be personalized. Remember, your welcome email should be short, sweet and to the point! If you’re looking for more real estate agent email marketing tips ...Keeping Current Matters doesn't want to bother the consumer, so you can easily enjoy NordVPN Get a Special Offer - 67% OFF. If you have used it successfully, you can get up to 20% OFF. Coupon Codes are widely used to give you …The first is the mortgage rate lock-in effect. Basically, some homeowners are reluctant to sell because of where mortgage rates are right now. They don’t want to move and take on a rate that’s higher than the one they have on their current home. The chart below helps illustrate just how many homeowners may find themselves in this situation:.