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Let’s be honest—if you’ve got a 3% mortgage, you’re feeling like you hit the jackpot. And who could blame you? That rate feels like a golden ticket in today’s market. So when the idea of moving even crosses your mind, there’s that little voice saying, “Why would I ever give this up?”

But here’s the thing—people don’t move for a mortgage rate. They move because life moves.

Will This House Still Fit Your Life in 5 Years?

Take a moment and really think ahead.

Will your family be bigger? Smaller? Are the kids leaving the nest? Is retirement creeping up on you? Are you already running out of room—or craving something new?

If your life is shifting, your space might need to as well. And the longer you wait to make a move, the more that next home might cost you.

Home Prices Aren’t Slowing Down Anytime Soon

Experts like Fannie Mae and the Home Price Expectations Survey are projecting steady growth in home values for the next several years. That means your dream home isn’t getting any cheaper.

Let’s say you’re eyeing a $400,000 home. If you wait just five years, that same home could cost you nearly $80,000 more. Ouch.

So, yeah—your 3% rate is awesome. But is it worth getting priced out of the next chapter of your life?

Waiting for Rates to Drop? Don’t Hold Your Breath

We all wish 3% rates would magically return—but that’s just not what the experts are predicting. Mortgage rates might dip slightly, but they’re not going back to pandemic lows. So hanging on for the perfect combo of low rates and low prices? You could be waiting forever.

Let’s Flip the Script: It’s Not About “Why Move?” — It’s About “When?”

Your mortgage rate matters. But so do you.

Your goals.

Your space.

Your future.

If your life is headed in a new direction, your home should move with you—not hold you back.

You locked in a killer rate—good for you! But don’t let that golden number chain you to a space that no longer fits your life. If a move is even possibly in your future, let’s talk about timing before the market prices you out of your next opportunity.

📲 Call or Text Us at 855-935-MORE to see if now’s your time to move smart.