Millions of Americans bought or refinanced homes during the ultra-low mortgage rate years, securing 30-year fixed loans at rates that now look almost impossible to replace.But what once felt like a smart financial win may now be acting like a pair of golden handcuffs.With today’s mortgage rates far higher than the pandemic-era lows, many existing homeowners face a painful trade-off: sell and move, but give up their low monthly payment; or stay put, even if their current home no longer fits their life.In other words, the house may no longer fit, but the mortgage rate still does.A new survey by ...