![Chris Carlson Gene and Sallie Carr pose for a picture in their recently remodeled home on Tuesday, May 7, 2024, in Hendersonville, N.C. An increasing number of Americans in their late 50s and older are staying in their houses, some by choice, others because they're locked into low mortgage rates that are too low to give up. (AP Photo/Chris Carlson)](https://mapi.associatedpress.com/v2/items/e428b419a9794e7a81030e9e4226dafb/preview/preview.jpg?s=680x)
Gene and Sallie Carr pose for a picture in their recently remodeled home on Tuesday, May 7, 2024, in Hendersonville, N.C. An increasing number of Americans in their late 50s and older are staying in their houses, some by choice, others because they're locked into low mortgage rates that are too low to give up. (AP Photo/Chris Carlson)
![Chris Carlson A grab bar next to the bathtub is shown in the recently remodeled home of Gene and Sallie Carr on Tuesday, May 7, 2024, in Hendersonville, N.C. An increasing number of Americans in their late 50s and older are staying in their houses, some by choice, others because they're locked into low mortgage rates that are too low to give up. (AP Photo/Chris Carlson)](https://mapi.associatedpress.com/v2/items/3cf0b7a0432d4d54a4d0f93a91ae8812/preview/preview.jpg?s=680x)
A grab bar next to the bathtub is shown in the recently remodeled home of Gene and Sallie Carr on Tuesday, May 7, 2024, in Hendersonville, N.C. An increasing number of Americans in their late 50s and older are staying in their houses, some by choice, others because they're locked into low mortgage rates that are too low to give up. (AP Photo/Chris Carlson)