10/06/2026
I hear it almost every week: “I’m never giving up my 3% rate.” 🙃
And I get it. That rate is a big deal! But here’s what I tell people. Rates have been sitting around 7% for a while now, and I don’t think 3% is coming back anytime soon. Waiting for it can mean putting your life on hold: the growing family, the new job across the lake, the yard you’ve been dreaming about.
The good news? There are options a lot of homeowners have never heard of: assumable loans, rate buydowns, and creative financing that can get you closer to your current payment than you’d think. 👀
Sometimes the answer really is “stay put,” and I’ll tell you that too. But you deserve to see the numbers before you decide.
If you’re feeling stuck, send me a DM. I’m happy to run your numbers, and I can connect you with a few lenders I trust. No pressure, ever.
Hi 👋 If we haven’t met, I’m Kaylee, a broker with John L. Scott and I help people relocate with ease. Follow along for local listings, neighborhood recs, and Seattle & Eastside happenings!
