Author: Arabian Media staff
A massive financial divide is splitting many Americans, and it comes down to when you locked in your mortgage rate. People who bought homes or refinanced before 2021 often have far better monthly payments, while today’s buyers face borrowing costs that can be $1,000 or more per month higher for the same homes. This is creating a wealth gap that could reshape Americans’ finances for decades. Those with ultralow “ZIRP-era” mortgages (rates locked in during the zero interest rate policy period) are seeing their real housing costs shrink because of inflation while building equity. Meanwhile, first-time buyers are either priced…
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