Walking away from your 3% Interest Rate:When is It Worth it?

Why Homeowners Choose to Move (Even with a Low Interest Rate):

1. A Growing Family 👶
   That cozy starter home might feel a little too snug with a new baby—or two—on the way. Upgrading to a larger home can bring the space and comfort your family needs.

2. New Job or Job Transfer 💼
   Sometimes opportunity knocks in another city or across town. Relocating for a career change often outweighs the financial benefit of staying put.

3. Remote Work & Location Flexibility 🏝️
   The remote work revolution has opened doors to living where you want, not just where you work. Whether it’s trading city life for a quieter suburb or moving closer to family, the possibilities are endless.

4. Being Closer to Loved Ones ❤️
   Life is short, and for many, proximity to family or lifelong friends becomes a top priority.

5. A Better Quality of Life 🌳
   From shortening your commute to living closer to nature, sometimes the intangible benefits of a move—less stress, more time, better surroundings—are worth the trade-off.

6. Downsizing for Retirement 🏡
   As life shifts, so do priorities. Many retirees find joy in trading a large family home for a low-maintenance condo or a cozy bungalow.

Ask Yourself These Questions Before You Decide:

✨ What benefits would a move bring to my life?
Think beyond numbers—will it bring more time with family, a healthier lifestyle, or space to grow?

✨ What tangible and intangible value will it create?
A new home isn’t just about square footage or mortgage rates. Consider how it will enhance your daily life, your relationships, and your long-term happiness.

Making the Right Move for You

The decision to leave your low interest rate isn’t always black and white. But here’s the good news: you don’t have to make it alone. A trusted real estate agent who understands your market can provide valuable insight, helping you weigh the pros and cons with confidence.

At Team Stephens Orren Shepherd, we’re here to help you navigate this big decision. Whether you’re upsizing, downsizing, or simply exploring your options, let’s chat about what makes the most sense for your unique situation.

📲 Ready to talk it through? Reach out to us today!