Monthly report · 5 min
Mortgage rates and the contingent buyer’s return
As more owners hold sub-6% loans, the trade-up buyer is quietly coming back.
M
Market Watch Editorial
Updated Jun 28, 2026 · Source: MLSListings
With a growing share of owners locked into sub-6% loans, the trade-up buyer — long sidelined by rate lock-in — is quietly returning, adding a layer of demand to the mid-market.
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