Anyone who shopped for a house last year grappled not only with high [mortgage rates](https://www.realtor.com/mortgage/rates/), but also another equally vexing problem: very few homes for sale. These two problems were connected, of course. High rates created a [“lock-in” effect](https://www.realtor.com/news/trends/a-look-back-at-2023-the-year-the-housing-market-froze-over/) discouraging homeowners from putting their homes on the market and having to give up their current
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