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This isn’t a crash.
It’s not a bubble.
And it’s not being talked about nearly enough.

In Episode 17 of Real Estate UnRaked, host Eric Rakers is joined by Dane and Garrett to break down what may become the biggest drag on real estate mobility in modern history: the Trapped Homeowner.

Millions of homeowners are locked in place—unable to sell, refinance, or move without financially destroying themselves. With over 85% of U.S. mortgages under 5% and economists signaling that 6.5–7% rates may be the new normal, the math simply doesn’t work anymore. The result? A frozen housing market that looks like low inventory—but is actually locked inventory.

In this episode, we unpack:

• Why 5–6% mortgage rates likely aren’t coming back anytime soon
• How ultra-low interest rates created “titanium handcuffs” for homeowners
• Why the move-up buyer has quietly vanished
• How aging homeowners are staying put and dragging inventory down
• What “zombie inventory” really is—and why it matters
• The psychological standoff between 2022 seller pricing and 2026 buyer reality
• Why the market isn’t crashing… it’s clogging

Then we shift from truth to strategy.

You’ll hear practical, actionable tactics for:

• Buyers navigating a frozen market using leverage, creativity, and timing
• Sellers unlocking mobility without chasing outdated pricing expectations
• Why new construction may be the most liquid and flexible option right now
• How incentives, buydowns, and smart planning beat emotional decisions

This is not a doom-and-gloom episode.
It’s a map through the logjam.

If you’re a buyer, seller, homeowner, or agent trying to understand where the market is headed in 2025–2026, this episode is required listening.

🎧 Subscribe, follow, and don’t forget to check out the full video version on YouTube, plus walkthroughs, education, and short-form content.

📲 Thinking about making a move? Talk to The Rakers Home Group and start planning—because timing the market is a losing strategy.

Support the show

That’s it for this episode of Real Estate UnRaked, where we take the mystery—and sometimes the madness—out of today’s housing market.

If you enjoyed the show, follow and subscribe wherever you listen to podcasts—Spotify, Apple Podcasts, or YouTube—and don’t forget to leave us a review. Your feedback helps more people across Northeast Florida discover the truth behind real-estate headlines.

For more tips, insights, and community spotlights, connect with The Rakers Home Group on:
📱 Facebook & Instagram: @RakersHomeGroup

🌐 Website: rakershomegroup.com

Call us at: (904) 906-8381

Got a question, story, or topic you’d like us to cover next? Drop us a message—we’d love to feature your ideas in a future episode.

And remember… whether you’re buying, selling, or just exploring, get the Home Team Advantage with The Rakers Home Group.