Divorced… and Still Roommates? The 2% Mortgage Dilemma

In today’s affordability crunch, some divorced couples are choosing an unexpected path: sharing a home to keep a ~2–3% mortgage rate. Tim Lucas and Craig Berry unpack how ultra-low pandemic loans became “golden handcuffs,” reshaping family life and the housing market. You’ll learn:Why stay put? The math behind keeping a 2.65% loan when today’s rates hover ~6.5%Creative arrangements: “Nesting,” backyard trailers, even splitting a house in twoMarket fallout: Lock-in reduced moves by ~1.72M (2022–2024) and pushed prices higherThe money trade-off: Roughly $2K more per year for every 1% rate jump; big savings vs. missed career moves or life goalsPractical paths: When to keep the rate, when equity or opportunity says “go,” and how to plan the exit without chaosRead the full article:https://www.mortgageresearch.com/articles/divorced-but-sharing-a-home-for-mortgage/