🏡 “Why Would I Move When I Have a 3% Mortgage Rate?”

It’s a Fair Question—But Maybe Not the Right One

We get it. You locked in an amazing 3% mortgage rate, and you’re not eager to give it up. Why would anyone want to trade that for today’s higher rates?

But here’s the thing: focusing only on the rate might be costing you more than you realize.

Instead of asking, “Why would I move?”—try asking something a little deeper.

🔮 Ask Yourself the Right Questions

✔️ Will I still want to be in this house 5 years from now?
✔️ Will my lifestyle or family needs change before then?
✔️ What will this same $400K home cost me if I wait another year or two?

Because the truth is, home prices are still climbing. Even small annual increases can quickly outpace the savings you think you’re getting by staying put.

📈 Let’s Do the Math

Let’s say home values increase by just 5% a year. That $400,000 home you’re eyeing?
In a year, it could be $420,000.
In five years, it might be $510,000 or more.

And that’s not including potential competition or rising construction costs.

So while you’re hanging on to your 3% mortgage, the next house you really want could be getting more expensive by the month—pricing you out of the move you’ve been putting off.

🤔 So, What’s the Better Question?

Try asking this instead:
“When should I move to stay ahead of the curve?”

Because timing the market perfectly is nearly impossible—but planning ahead based on your lifestyle, goals, and long-term financial picture? That’s a winning strategy.

💬 Let’s Talk About Your Next Move

Whether you're bursting at the seams, ready for a bigger yard, or just wondering if it’s really the right time to move—let’s talk through your options. You don’t have to make a rushed decision. But you do deserve to make an informed one.

Reach out today and let’s explore what moving now versus later might actually look like for you. It might surprise you how much sense it makes to take the leap.