24/04/2026
🏡 Why are U.S. mortgage rates still so high?
Even after recent declines, buying a home in America is still expensive. Mortgage rates remain above 6%, home prices are still high, and many homeowners are locked into older low-rate loans they do not want to give up.
In this new Just10Facts article, we break down the U.S. housing market in 10 clear facts:
✅ Why mortgage rates are still elevated
✅ Why the Federal Reserve does not directly set mortgage rates
✅ What the “lock-in effect” means
✅ Why more listings do not always mean cheaper homes
✅ What buyers should understand about affordability in 2026
A clear, fact-based look at one of the biggest financial questions in America today.
Read the full article here:
https://just10facts.com/us-mortgage-rates-housing-market-facts/