Is Your Mortgage Rate Keeping You Stuck?

Feeling Stuck?

It’s no secret—letting go of a 3% mortgage rate is hard. That’s been one of the biggest reasons so many homeowners have delayed making a move. But here’s the bigger question:

Is that low rate still serving your life, or is it holding you back?

While a low interest rate is great on paper, it doesn’t solve the everyday challenges of a home that no longer fits—too many stairs, not enough space, or being far away from the people who matter most. Real-life needs are prompting more homeowners to relocate, despite higher interest rates. Relocating? How Lauren Takes the Fear Out of Moving

More Sellers Are Moving for Personal Reasons

You’re not the only one weighing the pros and cons. Data shows the number of homeowners with mortgage rates below 3% is shrinking as more people decide to move. At the same time, more buyers are accepting rates above 6% because they need to make a life change.

A recent survey from Realtor.com found that 79% of homeowners thinking about selling are doing so out of necessity. And most of those reasons have nothing to do with money.

Here are the top reasons homeowners are making a move →

You’ve Outgrown Your Space

More family members under one roof, kids needing separate rooms, or taking in parents—space can feel tight fast.

You’re Ready to Downsize

If the kids are grown and gone, a smaller, more manageable home might make daily life simpler and easier.

You Want to Be Closer to Family

Whether it’s to help with grandkids or care for aging parents, being near your people often matters more than a mortgage rate.

Your Relationship Status Has Changed

Life happens—divorce, separation, marriage, or moving in with a partner often comes with the need for a new space.

You’re Relocating for Work

Whether it’s a promotion, career shift, or remote work opportunity, your job might be pulling you somewhere new.

Ready for a Lifestyle Change

Sometimes it’s not about space or location—it’s about how you want to live. Maybe you’re dreaming of a quieter neighborhood, a walkable community, or a home with modern upgrades.

What About Today’s Mortgage Rates?

Yes, experts expect rates to ease, but not dramatically and not quickly. Projections show small, gradual declines—not a return to 3%. And waiting for that drop could mean staying stuck in a home that no longer fits.

According to Realtor.com, nearly two-thirds of homeowners who are thinking about selling have been considering it for more than a year.

So the real question becomes:
How much longer are you willing to wait?

Here’s the Bottom Line

The house you bought a few years ago might have been perfect at the time, but if it’s no longer working for your life now, it’s okay to admit that out loud.

Mortgage rates are just one piece of the puzzle. The more important question is:
What kind of home do you need to support the life you’re living today?

If it’s time to move forward, I’m here to help make that transition smooth, strategic, and centered on what matters most to you.