It’s 100% sure that mortgage rates will go way up if this passes for two reasons:

1) any loan has something called a “risk premium”. That’s the amount the lender wants to get above what they would make in a risk-free investment (US Treasury bonds, usually). Риск списания от $50K до $100K makes the risk for the lender go way up, so the risk premium would go up by 3 to 5 %. (My husband has a Master’s degree in Finance, and those are his estimates if he had to make a loan under those conditions.)

2) Some banks will just stop making mortgage loans because of the risk. Fewer lenders means more competition for loans, which also will drive up interest rates. After all, interest is really the rent you pay to borrow someone else’s money, if you think about it.