If you are like many homeowners I talk to, you might be thinking: “I’d love to move, but I just can’t give up my 3% mortgage rate.”
I completely understand. That rate is a massive financial win, and letting it go is a tough pill to swallow. But there is an important question you have to ask yourself: Does your low rate make up for a home that no longer fits your life?
Life changes, and your home needs to keep up.
The "Lock-In Effect" is Fading
For a while, homeowners were frozen by the "lock-in effect"—staying put simply to keep a low rate. However, recent data from the FHFA shows this is changing. The number of homeowners with rates above 6% is hitting a 10-year high.
Why the shift? Because people are realizing they can’t put their lives on pause forever.
The "5 Ds" of Moving
As families grow, jobs change, and priorities shift, the need for the right home begins to outweigh the financial benefit of a rock-bottom rate. Experts at First American call these the "5 Ds":
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Diplomas: Career advancement often leads to more buying power and the desire for a nicer home.
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Diapers: A growing family means you’ve simply outgrown your current square footage.
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Divorce: Relationship changes often necessitate a new place to call home.
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Downsizing: The kids have moved out, and you want less maintenance and more freedom.
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Death: Losing a loved one often makes us realize we want to live closer to the family that remains.
Don’t Press Pause on Your Goals
Nearly 2 out of 3 potential sellers have been thinking about moving for over a year. That is a long time to put your family’s goals on hold.
Whether you need a larger yard in Bonney Lake or Lake Tapps, a commuter-friendly spot in SeaTac or Auburn, or a waterfront view in Normandy Park, Des Moines, or Burien, you deserve a home that fits your current reality.
As the #1 real estate agent serving Tacoma, Puyallup, Sumner, and all the cities listed above, I help homeowners navigate this market every day. I know the local landscape better than anyone, and I know how to help you make a move that makes sense financially and personally.
The Bottom Line Rates are expected to ease further heading into 2026, but you don't have to wait to start living the life you want.
Let’s connect today to discuss your options.
