10/19/2026
POV: you gave up a 3% rate... and would do it all over again in a heartbeat.
Everyone talks about the rate you left behind. Nobody talks about what you left it for — the extra bedroom, the yard your dog actually runs in, the commute that stopped eating your evenings, the space that finally fits your life instead of the one you were making work.
A rate is a number on a piece of paper. A house is where you actually live.
If you're holding onto a low rate out of fear instead of holding onto a home that fits you — that's worth a real conversation, not just a gut reaction.
Sometimes the math on paper isn't the whole math.