{"ok":true,"trend":{"id":706170,"platform":"news","region":"global","key":"homeowners are clinging to their below-4% mortgages for dear life as mortgage rates went over 7%","title":"Homeowners Are Clinging to their Below-4% Mortgages for Dear Life as Mortgage Rates Went over 7%","url":"https://news.google.com/rss/articles/CBMiyAFBVV95cUxOUm1xVm9XWXNEVXd4NVktMHFZU3RETUpNUjk4ekhoc0lTSnBUX0Z3aUhUNy1CUGhkUEhBczh3Si10TXBYVk10R3FCdHpLNDU0YlhPNFhkTV9HV21CRnE4dmFVSGwtbVNXT2ZUV19xMWw4TWVLRXhMQ0VFUEhXTmhiOF9nNDlveVczb0NVQXY5WEx5LVVEcVdEUVNUSGJQOWhiTXIxNm0zVnZud3czUTNUMzVJNDJQTG5nQ2xDdUJzaGVCeWdyeGJpTA?oc=5","first_seen":"2026-10-02T07:18:10.462424Z","last_seen":"2026-10-03T21:42:15.460588Z","last_rank":33,"peak_rank":15,"last_volume":null,"peak_volume":0,"seen_count":24,"score":36.6,"category_hint":"real_estate","section":"business","category":"real_estate","summary":"US mortgage rates have climbed above 7%, while millions of homeowners still hold loans locked in below 4% from the pandemic-era refinancing boom. Analysts note many owners refuse to sell because moving would mean giving up their cheap rate and taking on a far costlier new mortgage, a dynamic known as the lock-in effect that is keeping housing supply tight and prices elevated.","why":"High rates are freezing the housing market, so the mortgage lock-in effect is a hot topic for buyers, sellers and economists.","tone":"neutral","entities":["US homeowners","Federal Reserve","Wolf Street"],"summarized_at":"2026-10-03T19:32:41.226533Z","meta":{"via":"scan","lang":"en","term":"housing market","source":"Wolf Street","published":"Sat, 03 Oct 2026 00:56:48 GMT"},"nw":null,"promo":null,"kind":null,"importance":null,"hidden":false,"hide_reason":null,"judged_at":null,"title_en":"Homeowners Hold Onto Sub-4% Mortgages as Rates Top 7%","section_name":"Business","category_name":"Real Estate","timeline":[{"captured_at":"2026-10-02T07:18:10.462424Z","rank":15,"volume":null},{"captured_at":"2026-10-02T08:40:51.904550Z","rank":16,"volume":null},{"captured_at":"2026-10-02T10:03:11.972808Z","rank":18,"volume":null},{"captured_at":"2026-10-02T11:25:11.996002Z","rank":15,"volume":null},{"captured_at":"2026-10-02T12:47:11.089164Z","rank":24,"volume":null},{"captured_at":"2026-10-02T15:31:34.293676Z","rank":23,"volume":null},{"captured_at":"2026-10-02T16:53:34.206478Z","rank":31,"volume":null},{"captured_at":"2026-10-02T19:38:14.166187Z","rank":30,"volume":null},{"captured_at":"2026-10-02T21:00:36.319802Z","rank":29,"volume":null},{"captured_at":"2026-10-02T22:22:32.291079Z","rank":30,"volume":null},{"captured_at":"2026-10-02T23:45:25.828729Z","rank":34,"volume":null},{"captured_at":"2026-10-03T01:07:32.575049Z","rank":35,"volume":null},{"captured_at":"2026-10-03T03:52:29.557979Z","rank":15,"volume":null},{"captured_at":"2026-10-03T05:14:31.672351Z","rank":17,"volume":null},{"captured_at":"2026-10-03T06:36:30.226087Z","rank":24,"volume":null},{"captured_at":"2026-10-03T07:58:31.437901Z","rank":20,"volume":null},{"captured_at":"2026-10-03T09:20:51.133243Z","rank":24,"volume":null},{"captured_at":"2026-10-03T10:43:35.846929Z","rank":29,"volume":null},{"captured_at":"2026-10-03T12:06:00.138945Z","rank":30,"volume":null},{"captured_at":"2026-10-03T13:27:57.964731Z","rank":31,"volume":null},{"captured_at":"2026-10-03T14:49:59.113155Z","rank":32,"volume":null},{"captured_at":"2026-10-03T17:34:24.494530Z","rank":31,"volume":null},{"captured_at":"2026-10-03T18:56:22.322895Z","rank":34,"volume":null},{"captured_at":"2026-10-03T21:42:15.460588Z","rank":33,"volume":null}],"posts":[{"platform":"news","url":"https://news.google.com/rss/articles/CBMiyAFBVV95cUxOUm1xVm9XWXNEVXd4NVktMHFZU3RETUpNUjk4ekhoc0lTSnBUX0Z3aUhUNy1CUGhkUEhBczh3Si10TXBYVk10R3FCdHpLNDU0YlhPNFhkTV9HV21CRnE4dmFVSGwtbVNXT2ZUV19xMWw4TWVLRXhMQ0VFUEhXTmhiOF9nNDlveVczb0NVQXY5WEx5LVVEcVdEUVNUSGJQOWhiTXIxNm0zVnZud3czUTNUMzVJNDJQTG5nQ2xDdUJzaGVCeWdyeGJpTA?oc=5","author":"Wolf Street","title":"Homeowners Are Clinging to their Below-4% Mortgages for Dear Life as Mortgage Rates Went over 7%","snippet":null,"posted_at":"2026-10-02T06:46:15Z","likes":null}],"elsewhere":[],"window":"7d"}}