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Home sellers are hopeful that lower mortgage rates will attract buyers, per WSJ. Daniel and Kyla Seely, a couple who listed their three-bedroom home in Newark, Ohio, in November for $324,900, are in this category. The Seelys have had no offers so far and are hopeful that declining mortgage rates will turn things around.

Additional reporting by Florence Freeman

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He draws parallels to chlorofluorocarbons pollutants released from refrigerators that bore a hole in the ozone layer last century, and were eventually banned.

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So, what do you do? It seems obvious, right? You connect the ATM to the