Let’s be honest—saying goodbye to a 3% mortgage rate is tough. We get it. It’s one of the biggest reasons people have been hitting pause on their plans to move. But lately? More and more homeowners are deciding they’ve waited long enough.

Here’s the truth:

A low rate doesn’t fix a house that’s too small, too big, too far from family, or just no longer working for your life. And that’s why sellers are making moves anyway—even in today’s market.

In fact, the number of homeowners locked into ultra-low rates is slowly shrinking. Why? Because real life is calling—and people are answering.

So What’s Driving People to Move?

According to Realtor.com, a whopping 79% of people selling right now are doing it because they have to. Not because of the market. Not because of the rates. Because life changed.

Here’s what that looks like:

• You need more space. Baby on the way? Parents moving in? Kids growing up? It adds up fast.
• You need less space. Empty nesters, you know the deal—why clean 5 rooms when you only use 2?
• You want to be closer to family. Grandkids, aging parents, or just wanting to be near your people—it matters more than ever.
• Your relationship status changed. Breakups, makeups, moving in, or starting fresh—it all shapes where you need to be.
• Your job is calling. New role, new city, new adventure? Sometimes, staying put isn’t an option.

Sound familiar? You’re not alone. Life isn’t waiting on rates to drop—and more sellers are realizing they don’t need to either.

But… What About Mortgage Rates?

Yes, rates are higher. And yes, experts expect them to gradually come down. But spoiler alert: we’re probably not going back to 3% anytime soon.

So here’s the big question:

Is waiting for a lower rate worth staying stuck in a home that no longer fits your life?

Realtor.com says nearly 2 in 3 sellers have been thinking about moving for over a year. If that’s you… how much longer are you willing to wait?

Here’s the Bottom Line

The home that worked in 2020 might be holding you back in 2025. And that’s okay.

Mortgage rates matter—but so does your day-to-day happiness. Your comfort. Your lifestyle. Your peace of mind.

So let’s stop asking “What’s the rate?” and start asking: “What kind of home do I actually need right now?”

If your life has changed, your home should too. Let’s talk about what that next move looks like—on your terms.