More homeowners are finally making their move, even if it means giving up that 3 percent rate.
FHFA (Federal Housing Finance Authority) data shows the share of homeowners with sub-3 percent rates is slowly shrinking, and more people are taking on rates above 6 percent. Some are first-time buyers, but many are homeowners who decided their life changes mattered more than their loan rate.
Because life doesn’t wait for perfect timing.
Families grow, jobs change, priorities shift, and a home that once fit perfectly may not fit anymore.
With rates easing from their highs and expected to dip slightly more in 2026, moving is starting to feel a bit more achievable.
If you’ve been holding off, ask yourself: Is keeping your low rate worth staying in a home that no longer fits your life?
Thinking about a move? Compass and our Lending Partner OriginPoint are here to help!
