{"id":88,"date":"2026-10-10T11:00:00","date_gmt":"2026-10-10T11:00:00","guid":{"rendered":"https:\/\/www.angeleanmortgageloans.com\/blog\/?p=88"},"modified":"2026-10-10T11:00:00","modified_gmt":"2026-10-10T11:00:00","slug":"homeowners-sit-on-record-equity-why-most-still-cant-afford-to-move-up-in-2026","status":"publish","type":"post","link":"https:\/\/www.angeleanmortgageloans.com\/blog\/2026\/10\/10\/homeowners-sit-on-record-equity-why-most-still-cant-afford-to-move-up-in-2026\/","title":{"rendered":"Homeowners Sit on Record Equity \u2014 Why Most Still Can&#8217;t Afford to Move Up in 2026"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Despite U.S. homeowners holding a record $18 trillion in home equity as of Q2 2026, many still find themselves unable to move up to a new home. As someone who\u2019s navigated both real estate and mortgage landscapes for more than 25 years, I see firsthand how replacement mortgage rates hovering around 7%, along with increased taxes and insurance, have shifted the conversation. Instead of trading up, more clients are opting to renovate, rent, downsize, or explore bridge financing. The numbers tell a compelling story, but the real impact is felt in the complex decisions homeowners face when weighing their next move.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.noradarealestate.com\/blog\/homeowners-record-equity-cant-afford-move-up\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Despite U.S. homeowners holding a record $18 trillion in home equity as of Q2 2026, many still find themselves unable to move up to a new home. As someone who\u2019s navigated both real estate and mortgage landscapes for more than 25 years, I see firsthand how replacement mortgage rates hovering around 7%, along with increased [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":89,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-88","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/88","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/comments?post=88"}],"version-history":[{"count":1,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions"}],"predecessor-version":[{"id":90,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions\/90"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media\/89"}],"wp:attachment":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media?parent=88"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/categories?post=88"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/tags?post=88"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}