Mortgage Lock-In Effect Arizona 2026: Why Phoenix Owners With Low Rates Are Not Selling

Published on: 10/05/2026

What is the mortgage lock-in effect in Arizona? Half of loans sit under 4%, and moving from a 3% loan to 7.28% adds $1,051 a month on $400,000. See your options. Pillar Mortgage Group.

Arizona Mortgage and Home Selling Guides

Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

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