Stuck with A Low Rate?

Stuck with a Low Rate?

Here’s How to Move Without Losing Your Edge

You locked in a killer mortgage rate back when money was practically free. Now rates are higher, and you’re wondering, “How can I move without giving up this golden ticket?”

You’re not alone. But here’s the truth—your low rate isn’t a trap. It’s leverage. Used right, it can be one of your biggest financial weapons.

Here’s how to move smart, not stuck.

1. Turn That Low Rate into an Income Stream

Don’t sell it—leverage it.
Keep your current home as a rental. That low rate means:

• Smaller monthly payments (a.k.a. bigger profit margins)

• Rent that can cover or exceed your mortgage

• Continued equity growth while you buy your next place

Translation: you keep your low rate and start building long-term wealth.

2. Put Your Home Equity to Work

If you’ve owned for a few years, you’re probably sitting on a pile of equity. Put it to use.

• Tap it through a HELOC or cash-out refi to fund your next down payment.

• Or use it to shrink your new loan and offset today’s higher rates.

Either way, that equity is your launchpad—not a roadblock.

3. Negotiate a Rate Buydown

Builders and sellers are getting creative—and you should too.
Ask for a rate buydown to temporarily lower your new loan’s rate.

• A 2-1 buydown, for example, gives you reduced payments for the first two years.
  Combine that with your equity, and suddenly that move doesn’t feel so painful.

4. Remember—Life Isn’t Measured in Interest Rates

Sometimes the reason to move isn’t about money. It’s about life.
More space. Better schools. A lifestyle that fits who you are now.
Rates will change. What matters is how—and where—you want to live.

Bottom Line

You’re not trapped by your low rate. You’re sitting on opportunity.
With the right strategy, you can keep your best asset working for you and move forward without losing your edge.