We have all heard it lately
Why would I move when I’ve got a 3 percent mortgage?
It is a fair question. That was a great rate. But here is what most people are not thinking about. Keeping a low rate does not always mean keeping the right home
Life keeps moving. Families grow. Jobs change. Priorities shift. And that home that worked a few years ago might already feel too small, too big, or just not quite right
So instead of asking if someone is ready to sell, I prefer asking
What are the chances you will still be living here in five years?
That question shifts the conversation from pressure to planning
Now add this in.
Home prices are projected to keep rising slowly but steadily over the next few years. Rates might dip a little, but they are not going back to 3 percent.
So if someone is planning to move anyway, waiting could mean paying more for the next home.
