Higher Rates + Limited Supply = A Generation Priced Out of the American Dream

The Mortgage Reset No One Asked For

The age of 3% mortgages is officially over — a shift now widely described as the Great Housing Reset Crisis. According to data from Realtor.com, more Americans now carry mortgages above 6% than below 3%, a pivotal moment that marks the end of cheap money in housing. In the third quarter of 2025, 21.2% of outstanding U.S. mortgages carried interest rates of 6% or higher, surpassing the roughly 20% with rates below 3%, underscoring just how dramatically borrowing costs have shifted since the pandemic era and solidifying the Great Housing Reset Crisis as a defining economic break.

Remember those pandemic-era rates that dipped below 3%? They weren’t just historic — they were bait. The Fed flooded the market with cheap liquidity, luring buyers into massive loans, and locking others into homes they couldn’t afford to leave. Now that illusion has cracked. What’s left is a shattered path to homeownership, especially for Millennials and Gen Z, who saw homeownership rates flatline amid soaring prices and elevated borrowing costs — with only about 26% of Gen Z and 55% of Millennials owning homes in 2024 — stark evidence of a generation priced out of the market.

The “Lock-In Effect” Isn’t Over — It’s Evolving

For the past few years, a massive share of U.S. homeowners refused to sell because they were “locked in” to historically low interest rates. Why trade a 2.75% mortgage for 7%? You wouldn’t. That’s why housing inventory dried up.

But now, as of Q3 2025:

• 20% of mortgages are still under 3%
• 21.2% are now above 6%
• 31.5% sit between 3%–4%

The dam is cracking — more homeowners are stuck with high rates than low ones. But here’s the catch: 80% of all outstanding mortgages are still below today’s market rate, which means most sellers still won’t budge. That means supply stays tight, and prices stay high, especially for anyone just trying to break into the market.

What This Means for Young and First-Time Buyers

Let’s cut the spin: this is terrible news for the next generation. Wages haven’t kept pace with inflation, and now buyers face:

• Higher borrowing costs
• Fewer homes to choose from
• Relentless competition from investors and cash buyers
• Rising property taxes and insurance premiums

If you’re under 40 and don’t already own property, you’re playing a rigged game. The average mortgage is more expensive than ever, and even a modest home now requires a down payment most people can’t realistically save without family help or extreme financial discipline.

Don’t Buy the “Balanced Market” Lie

The mainstream media — and even some economists — want to sell you the fantasy that things are “balancing out.” Yes, some areas are cooling. Yes, builders are adding new-construction homes. But don’t mistake a few signs of relief for a market correction.

The truth is:

• National inventory is still below historic norms
• High mortgage rates are the new normal, not a temporary glitch
• Institutional investors are still scooping up affordable homes

What we’re witnessing is the slow erosion of homeownership as a viable path for everyday Americans. It’s not just bad timing — it’s a structural shift, and it’s by design.

The Larger Agenda: Dependency, Not Ownership

Look beyond the numbers. What’s happening here isn’t just economic — it’s political. If young Americans can’t own property, they become permanent renters. And permanent renters are permanent dependents.

This is the dream of centralized financial planners and digital currency architects. They don’t want you owning land, building equity, or passing wealth to your kids. They want you beholden to the system — programmable money, universal digital IDs, subscription-based housing, and cradle-to-grave surveillance.

The housing crisis is just the tip of the spear. It’s part of a larger movement to strip citizens of financial autonomy, all while telling them it’s for their own good.

Wake Up: This Is the Great Housing Reset

This isn’t a market glitch. It’s the “Great Reset” in real time — and housing is the battlefield.

Whether it’s FedNow, the looming rollout of a Central Bank Digital Currency (CBDC), or the manufactured scarcity of homes, the goal is the same: control access to capital, restrict movement, and crush independent ownership.

If you don’t see the connection between the death of affordable housing and the rise of programmable digital dollars, you’re already behind.

Call to Action: Prepare Before It’s Too Late

If you think this is just about mortgages, you’re not paying attention. What’s coming is a full-spectrum financial overhaul, and housing is only one piece of it.

Download the Digital Dollar Reset Guide by Bill Brocius now.

It’s not optional reading — it’s required intelligence for anyone who sees the writing on the wall. Learn how programmable money, FedNow, and the financial surveillance state are converging to choke out what’s left of the free market. Then take action to protect your assets, your privacy, and your future.

Don’t wait. They’re not going to make this easy. Get the guide now — and prepare to resist.