Why More Homeowners Are Making the Move — Even with Today’s Rates
If you’re holding on to a 3% mortgage rate, you’re not alone. It was a great deal, and no one wants to give that up. But here’s the reality many homeowners across California—are starting to face: your rate might be low, but does your home still work for your life?
Maybe you’re outgrowing your space. Maybe the stairs feel steeper than they used to. Or maybe you’re tired of being across the state—or country—from your loved ones. Life changes, and more homeowners are choosing to move because their current house just doesn’t fit anymore.
In fact, recent data shows that more and more sellers are letting go of those ultra-low rates and embracing the shift to current mortgage rates. Why? Because their needs are changing, and waiting around for the perfect rate just keeps them stuck.
Why Sellers Are Ready to Move in 2025
A recent Realtor.com survey found that 79% of homeowners thinking about selling are doing so out of necessity, not just preference. And most of those reasons are about lifestyle, not finances. Do any of these sound familiar?
Need more room? Families are growing, remote work setups need space, or maybe you’re welcoming aging parents. Space isn’t just comfort—it’s functionality.
Looking to simplify? Maybe the kids have moved out, and it’s time to downsize. A smaller footprint means less maintenance and potentially more cash flow or investment flexibility.
Want to be near family? Whether it’s for caregiving or connection, many are choosing to relocate to be closer to their loved ones.
Going through a life transition? New job, separation, marriage, or a fresh start—big life events often call for a new home base.
Following career opportunities? If your dream job (or your partner’s) is in another city or state, relocation may be part of the package.
Yes, Rates Are Higher—But So Is Opportunity
It’s true that current mortgage rates are hovering around 6% or more, and experts predict they’ll ease slowly—not plummet. So if you’ve been holding off, hoping to see 3% again, you may be waiting for a while.
Meanwhile, local markets continue to offer smart investment opportunities—especially in neighborhoods seeing infrastructure growth, tech expansion, or short-term rental demand.
Plus, if you’re planning to hold your next property long-term, you’ll likely build equity that far outweighs the difference in interest rate. You can always refinance later—but the opportunity to lock in a desirable location or a property with income potential won’t wait forever.
Bottom Line
That home you bought in 2020? It made sense then. But if it doesn’t meet your lifestyle now, it may be time to rethink. Real estate isn’t just about timing the market—it’s about timing your life.
Whether you’re looking to upsize, downsize, invest, or just get closer to family, the first step is simple: let’s talk about what’s changed—and what kind of home or investment can support where you’re headed.
Let’s connect and find a property that works for the life you’re living now—and the wealth you want to build tomorrow.
