Locked-In Sellers & Locked-Out Buyers: Can Millennials and Gen Z Ever Afford a Home?

Segment Teaser – Homeowners who feel trapped by their low mortgage rates… and young buyers wondering if homeownership will ever be within reach. In this episode of Go Gaddis Real Estate Radio, we’re diving into both sides of today’s housing market dilemma. 🏡 Locked-In & Locked-Out: What’s Going On? More than half of American homeowners have mortgage rates under 4%. With rates now hovering above 6.5%, many feel locked in—hesitant to sell and give up their low payments. Meanwhile, Millennials and Gen Z are facing sky-high prices and strict lending requirements, leaving many locked out of the market altogether. 🔍 We’ll explore: Why “golden handcuff” mortgages are limiting inventory The financial roadblocks facing first-time buyers Rising rents vs. rising rates: Which is worse long-term? What buyers can do now to prepare for homeownership Creative solutions for sellers who want to move but feel stuck 💡 What You Can Do Differently Whether you're a seller looking to upsize, downsize, or relocate—or a young buyer trying to break in—there are options: Buy Before You Sell programs Rehab & Refresh for maximum sales price Down payment assistance and low-interest loan products Education and planning tools to build buying power faster 💼 You Get All the Upside At Modern Traditions Realty Group, we offer tailored solutions to help every kind of homeowner or hopeful buyer, including: Instant Cash Offers Bridge Solutions Staged-to-Sell Prep Expert Guidance Every Step of the Way 💬 Let’s Talk Go to GoGaddisRadio.com to: Submit your questions Suggest topics or neighborhoods for a future episode Subscribe to our podcast 🎧 I’m Cleve Gaddis, REALTOR® and your host of Go Gaddis Real Estate Radio, here to help you go from real estate novice to expert—so you can make informed, confident decisions without the stress that often comes with life’s biggest investments.