(CNN)– The Trump administration has an idea to make housing more affordable, portable mortgages.

Which would let homeowners take their mortgage rate with them when they move, instead of taking out a new loan.

The proposal aims to address the housing market’s lack of supply.

Just over half of homeowners have mortgage rates below 4%, according to a Redfin analysis.

Those homeowners with ultra-low mortgage rates have been less willing to move.

In part, that’s because average mortgage rates for the last few years have been stuck between 6 and 7%.

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