The Mortgage Divide: Why America’s Housing Market Is Splitting in Two!

August 24, 2025 268109 Views

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Why are some homeowners thriving while others are struggling to keep up? In this video, we explore how America’s housing market has fractured—creating a sharp divide between those who locked in low mortgage rates and those buying today at much higher costs.

We’ll unpack:

The lock-in effect and its impact on geographic mobility
Why millennials face deeper inequality within their own generation
How renters are absorbing the full brunt of housing inflation
The role of tariffs, interest rates, and investor behavior
International comparisons with the UK and China
Why your mortgage might be the most important financial instrument you own
From sticky inflation to shifting migration patterns, this is the story of how housing finance is reshaping the American economy—and the lives of millions.

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