03/05/2026
Confession from a mortgage guy…
The last couple years have been pretty quiet.
And honestly, it should have been.
If you locked in a mortgage rate somewhere in the 2–3% range, refinancing probably didn’t make sense. Moving probably didn’t make sense either unless you absolutely had to.
A lot of people in my industry kept pushing anyway.
I didn’t.
Because sometimes the most honest advice is simply:
“You’re already in a great loan — don’t touch it.”
But lately I’ve started seeing something interesting.
In certain scenarios right now, some buyers and refinance situations are landing in the 5’s and low 6’s. That doesn’t mean it’s right for everyone — far from it — but it does mean some people who put plans on hold are starting to revisit the conversation.
So I’m curious:
What’s the biggest reason you haven’t bought or refinanced lately?
• Rates still feel too high
• Waiting for prices to drop
• Don’t know what options exist
• Your current mortgage is too good to give up
No sales pitch here.
If anything, half the conversations I have end with:
“You should probably stay exactly where you are.”
But if you’ve been wondering whether anything has changed recently, I’m always happy to run numbers and talk through it.
Sometimes the answer is yes.
Sometimes it’s not yet.
Either way, you’ll at least know.
Send me a message if you want to look at your scenario.
